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Thing is, I don't have time to wash my car let alone get the damn thing repaired.


If you are short on time then try someone like Helphire. In cases where it was clearly not your fault they can give you a replacement car and short out dealing with the third parties insurance company. They claim the cost of the hire car etc back from the party at fault (or rather their insurance company).

Last time I got hit by someone else their insurance company contacted me and sorted me out with a hire car, picked mine up and delivered it back when it was fixed.
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Remind me to change my signature to something more interesting someday