<prompt> Human: Okay so heres the background: about three weeks ago, I was in need to buy a new car. My mom offered to help me, under the condition I pay her back. Shes done this with me in the past, and Ive paid her back, and shes never asked for interest. So after looking for a car, I decide to buy one thats 3500. I have 2000 to my name to buy that car, and my mom pitches in another 1500. So basically, I owe her 1500 to be paid in weekly installments of 100. So a week into having this new car, a lady who was driving distracted hits me from behind, totalling the car I just bought, with me driving and two of my younger siblings in the car. We go through insurance, the insurance company for the car who hits me ends up totalling my car and paying a check of 5500 dollars. So all in all, I get into an accident that in returns results in me getting a 5500 insurance check. Because Im on her insurance, its my policy with her name on it as well. In my opinion, and the opinions of at least a dozen and a half other people Ive asked, theoretically, before I even look to buy a new car, I would pay my mom back the 1500 I owed, then go look for the same cost cat I just had with the rest of the 4000. That makes sense to everyone else. My mom is claiming she should get the 2000 extra from the accident to keep for any more emergencies, and that I go buy a car for 3500 and still be required to pay her back 1500 in weekly installment of 100. Basically shes profiting off the car accident I was in. So reddit, I would like to ask, who is right?Another few side details: I have a picture of an excel document that shows what we both want to do with the money, as well as a recorded phone conversation with chase bank ultimately agreeing with my theory of only paying back the 1500 plus interest when I asked them in terms of it being a theoretical car loan. Thank you all very much.  <response>: You only owe her 1500 plus a little interest, the rest is yours. 