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Have fun collecting that 20% of their minimum wage paycheck for the rest of their life to pay off your injuries, car damage, and lawyer fees. Assuming they don't just get paid under the table or work as a contractor.

And if they move to another state, have fun transferring your judgement over there and trying to find their bank accounts and employer(s). It's like getting blood from a stone. It's easier and cheaper to just pay a tiny bit more in insurance premiums.



Yes, if you are poor you are not worth suing, even if you will surely lose. The cynical term for this is "judgement proof".

Once you have any sort of reasonable income you should strongly consider buying significantly more insurance than the legal minimums.




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