So I got into a car accident (my first one) and I was on the freeway in traffic when a car darts in front of the car in front of me (a jeep) So the jeep slams on his breaks to avoid an accident and by the time I slammed on mine I hit him. Making the accident a 4 car pile up. Now I was freaking out about the accident so when the police talked to me I couldn't remember much of it. Later that day I slowly started to regain the memories but by then it was too late and the police report states it was 100% my fault. I totaled 2 cars but my insurance only pays for 25000 in property damage. I am in a large amount of debt and still need to find a used car for me to ride to work in. Two questions: is there any insurance company that covers more prop damage for automobiles and is there any way for me to get a car or do I have to quit my job?

This is what happens when you buy cheap car insurance. Time to pay up. And no. Don't quit your job, as it sounds like you will have some bills to pay very soon.

Almost any insurance company will insure you for more than $25,000. It's not the insurance company that sets the liability limits, it's the policy holder. You decide how much you want to be insured for, not the insurer.

It's not your failed memory that got you that 100% liability decision, it's your negligence. You're supposed to be prepared for any eventuality. You were following the car in front of you too closely, and when they had to stop, you weren't able to because you didn't leave enough distance in front of you.

Is there a way for you to get a car? Yeah, just like the rest of us - you buy one.

All insurance companies will cover more than $25,000 in property damage. But you have to purchase the higher limit before the accident happens.

Is there a way to get a car? Sure, save up $2000 cash and buy a beater. It won't be pretty but it will get you around.

Or do I have to quit my job? And exactly how will quitting your job get you out of major debt?

Until you have the $2000 cash saved up to buy the beater car, take the bus, a taxie, walk, ride a bike, car pool with a co-worker, borrow a car - in short, find another way to get to work.

So , when you buy insurance, you can buy as much protection as you want from any insurance company. So, Buying more insurance now however, will not solve the problem you have now so.
So the way to get a car is to buy one. So why in the world would you think that to get another car, you would have to quit your job? So.

Brakes

Grammar'


so

You could have purchased a higher amount of liability insurance but you chose not to, probably to save money. Aren't you glad you saved all that money that you would have wasted on insurance premiums now? Most if not all insurance companies sell much higher liability coverage than $25k. $25k is probably the minimum amount required by law in some states.