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Finding Finance: 4 Tips to Help You Pay for Unexpected Car Repairs

Sep 27, 2017

car repair
Car accidents can be expensive, especially when you’re in college and you’re already on a limited income. You may need to pay a deductible, and if you only have liability insurance, you could be on the hook for all your repair costs. If you’re short on cash, here’s four tips that can help you pay those repairs.

Work a Few Odd Jobs


You may need to give up your weekends and even some free time during the week to do this, but if you’re willing to work, there are often plenty of odd jobs that pay cash. Ask around to see if anyone knows of any work opportunities. One good place to check is the Gigs section on Craigslist, specifically the Crew, Event and Labor categories.

Sell Items You Don’t Need


Look through your current possessions to see if there’s anything of value that you don’t need anymore. Start with anything you don’t use, such as textbooks from the previous semester and old cell phone. 




If you don’t find much, then it may be time to consider parting with items you’d still like to have but don’t really need, such as video game systems and designer clothes. None of these are as important as having transportation.

Consult with an Auto Accident Attorney


If you were in an accident and the other driver was at fault, then you’re entitled to compensation for your damages. That’s easier said than done, though, as insurance companies will often fight tooth and nail to minimize what they need to pay. If that’s what you’re dealing with, you should consult with an attorney like the Alexander Law Group or someone similar and ask if you can file an auto accident claim. This will put more pressure on the insurance company to provide you with the compensation you deserve to avoid a lawsuit.

Use a Credit Card


It’s best to have an emergency fund so that you can avoid using credit cards in these situations. But if you’re confident you can pay off the balance quickly, a credit card can be an effective short-term solution. There are also 0-percent annual percentage rate (APR) credit cards where you’ll pay no interest if you pay off the balance during the introductory period. You may have trouble qualifying for one on your own, but that can change if a parent is willing to co-sign for you.

When you have consistent income, you should save some of it every month to build up your emergency fund for situations like these. Until that happens, all these methods can work well if you need to pay for car repairs immediately.


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