Legal Problems
i really hope you are being sarcastic?? as for reckless driving, i thougth that was things like, oh i dont know, driving recklessly, not so much fast, but i could be wrong.
then you have the figure out will your out of pocket cost be breater than your insurance rate hike will total in 5 years
if your gonna end up putting out more money paying for insurance over the 5 years with the hike, your better off spending the smaler amount now, and fixing it yourself.





