<prompt> Human: Good morning PF.My 2012 Mazda 3 was written off in a not at fault accident last week. Im expecting around 15k from the insurance company. I owe about 5k on it for a final year of payments so I expect to have approx 10k once all is said and done.Im not sure what the best course of action is going forward. Prior to the accident I was looking forward to being car payment free in a year, and putting a little extra money toward my mortgage every month. Ive been playing around with a couple scenarios because obviously my original plan is shot.1. Buy a used car with 10k down and finance the rest. I have good credit but Im looking at 4-6 interest on a used vehicle. Im also a little concerned about buying used because I dont have a lot of experience with vehicles. The Mazda was new when I bought it and its the only car Ive owned.2. Buy another new car and put the 10k on my mortgage. The car itself is going to be a lot more expensive but its a good chunk off the principle on my house. Im really not pleased about another 5 years of car payments though. I really dont know what the best plan is, or if its really just shades of grey. Any advice is appreciated.  <response>: 3. Buy a car for less than 10k and put the rest towards your other debt. 