<prompt> Human: Ill start by framing up my situation. I was recently in my first accident that totaled my car. I am 21 years old in college and living in Arizona. The car is a 2008 Ford Focus with only 96k miles on it with no mechanical issues. It needs a new headlight assembly and an alignment done to be drive-able. Shouldnt cost me more then 300 The insurance will let me keep the car, do a salvage title and give me 4500.Here is my plan. I want to take my car i have now off my insurance and not re-register it next year, let it sit in my garage. Then use the money given to me by my insurance to buy a new car to drive. Due to the fact that I was thinking about selling the totaled car within the next 6 months anyway.My idea is that i am basically keeping a backup car in case a mechanical catastrophe happened to the used car that i am going to get. In my mind this gives me a HUGE security blanket as far as having an extra car.My parents seem to disagree. They think this is to much of a hassle taking it off insurance and keeping it unregistered is to much of a risk even though I WILL NOT be taking the car on any road other then something within 100 yards of my house. They think I should just take the money from the salvage and drive my beat up car around and keep the 4000 or so extra. Or just take the 5600 the insurance would give me if they took the car and get a used one and forget about it. In my mind it simply doesnt make sense to get rid of a car that is perfectly drive-able and could be used as a backup.Am i overthinking this? Are my parents right? Please let me know what you think!  <response>: So in an emergency where your main car breaks down your plan is to drive to the DMV, register the car, get insurance back on it and hope it runs? Sounds like a very silly security blanket and a bad idea. 