Dealing with car repairs can be annoying and stressful, and you may find out that you can not even afford to pay the total repair bill. According to the survey, one-quarter of drivers in America neglected car repairs due to the economy and cannot realistically afford $2,000 or more worth of car repairs. Thirteen percent of Americans cannot afford a $1,000 car repair bill.
While most individuals do not budget for car repairs, it is a good idea to set up emergency savings that can cover car-related repair costs in the near future. But what will you do if you do not have a savings account to cover when your car breaks down? Ask a Columbia City car accident lawyer about your car-related repair costs.
What to do if you can not afford car accident repairs
Here are some tips for repairing your car when you can not afford it.
Negotiate with the mechanic
Have a conversation with the repair shop about any discounts they can avail for you or any payment plans you can apply for. You can get some repair shops that accept credit cards, and you can avail of a reasonable monthly payment plan instead of paying a big lump sum amount. Negotiate your best with the mechanic to make a win-win situation for both.
If your car is not towed to a repair shop instantly and you have to get it repaired immediately, you have time to shop around and look for the best rates. Few mechanics will charge per hour, while others will provide you with an estimated cost of the repairs required. Take your time to look and explore at least three to four different shops and let them know what you are shopping for. You can make the perfect decision if you have different options available to you.
If you can not work out a deal with the car repair shop or find any perfect professional mechanics, maybe you can find someone you know who is a kind of mechanic and handy with cars. It can be anyone from a family member, a neighbor, or a friend. But do not ask them to fix your car for free. You can offer them something in return.
Get a personal loan from family or friends.
You can consider approaching your close family member or friend for a personal loan and make a realistic payment plan. It can be tricky and uncomfortable for many people, so ensure that you make a doable payoff plan that does not end up hurting the relationship.