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I understand the effect it will have on my credit report but will there be any late payment charges and when will I be expected to pay the bill? Would I just be charged for this months bill and next months bill together when my next payment is due? TYIA will give points for best answer How...

This is a hypothetical question. If I had built a custom car from scratch everything from a space frame chassis to hand crafted body panels and a high end concours quality paint job (still used often on the road). I then had a crash that wasn't my fault e.g someone doesn't look at a T-Junction...