First off I asked for advice not to be criticized.
Your poor little feelings hurt? You know this is an online forum, right? No one cares about your feelings, everyone here will tell you what they think, which is what you should have expected to begin with. And no one actually attacked you, but we (or people close to us) have all been burnt by people driving without insurance.
If I we t into detail on the story I'm sure a lot of the comments would change. That thing of saying if you don't have insurance don't drive, I think we stay in different countries because in mine you blessed if you can get a decent job with a decent income.
I currently live in the same country, and yes, insurance is expensive, but a lot of that has to do with people without insurance not paying. It doesn't help that we don't have proper public transport in most places.
I'm not disputing that I should pay. No, give unto Ceasar what belongs to Ceasar. The thing that is breaking my heart is I'm being ripped off. I've called numerous panel beating shops and they too were in disbelief of the amount. You guys are saying all these things to me, quick to judge, I asked for advice and you decide to jump down my throat 1 guy is swearing me. I never not once mentioned I won't take responsibility, it was an accident. All I said is the amount is ridiculous and I cannot afford to pay it. I had a contract job. So before people on here start swearing and say they hope they take me to the cleaners, my friend I rebuke that. But thank you very much.
No one swore/said anything about taking you to the cleaners? And it's your word what all those panel beaters would charge, and we have no clue what you said to those panel beaters is correct, you can describe it without you knowing what was actually damaged. Could be your fix is a quick fix rather than insurance's requirement to restore to the original condition (and as others have mentioned, this includes original parts/paint). If you damaged the next panel, that panel has to be fixed up as well, which could be difficult to discern from pictures. Did you actually see the quote insurance gave you for that mess-up? And remember, you're not only paying the fee to fix that, you're paying the fee for insurance having to deal with you as well, that's probably why they would have discounted to R24k (so their cut is way reduced, but cheaper to get you to pay than to go to court, which is what you're forcing).
You are the reason why people are starving.
Love the victim mentality there, you know nothing about any of us, and I am not the one who got into an accident, and if I did, my insurance would pay out so that people would be able to get their car fixed. So the actual cause of people starving is you, the person who has not paid for the damages caused.