Tio Nicci wrote:In America you have two forms of insurance.
You have
Liability- covers damage to the car that you damaged but no cover on your car.
Full coverage- covers damage for both cars.
I have liability and I pay $100 a month for it. My brother who has a Civic has full coverage and pays $250 a month with and an addition $200 for payment to the car it self.
I wouldn't call it Modifications btw, at least in my case. My car was bought damage and I've been replacing the parts. It's a real hobby of mine. Painting it is a bonus on my behalf.
We have those insurance types in the UK too, but there's barely any difference between 3rd party and full (at least, there wasn't for me) so 3rd party was pointless.
Hopefully I won't crash and get a no claims bonus and it will go down. 
def not funny at the time
def not funny at the time
I was only changing lanes in the first place cause he kept fiddling with his phone and slowing down/speeding up and it annoyed me. 
