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If my car recently was totaled when I let my roommate borrow, how can I legally set-up a repayment plan for her to reimburse me?

Question Details: I know that when it comes to insurance, I am essentially at fault and will suffer the consequences. However, my roommate has agreed to pay me back for half the cost of the car but wants to do it over time. I wanted to find out if there is some way to make a legally binding contract over a personal financial/payment plan agreement?

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