Minnesota Woman Paid Off Her Car, Dropped Insurance To Save Money, Then A Hit-and-Run Totaled It — 'First Nice Car I Ever Had'

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For one Minnesota driver, paying off her car was supposed to be a financial milestone. Instead, it became the setup for an expensive lesson in insurance, risk, and bad timing.

"I had just paid off my car and dropped to limited liability to put that money in a savings account for my daughter," she wrote on r/PovertyFinance. "Don't drive very far to work, just 15 mins. But I do park on the street, a really really wide street, wake up in the morning and see my car has been totaled."