Took my 4runner to mechanic to replace clutch. I was stuck 150 miles from home. The dude backed my truck into another truck and put a big dent in my tailgate. He says he doesnt have insurance. He is going to have his friend fix it for me. I say NO WAY!! I finally send him a certified letter with three quotes $1260 and up. and threaten to take him to court. Now he has insurance. Im still trying to collect from this guy since last June.