<prompt> Human: I just bought a condo so I have a pretty high mortgage and not too much money saved at all due to giving a big down payment. I recently got in a car accident that left my car without a front bumper and with something hanging from the bottom. Insurance isnt helping pay for it because I didnt have full coverage on it my mistake, I know. Is it smart to just buy a completely new car or pay to fix it even though I only have about 5k to my name. Edit to add mileage : 126,000 miles. So far only 1 quote. pic of car better pics better pics Edit again: THANK YOU ALL for your help, seriously your advice has helped more than you know so thank you. :  <response>: Do you know anyone that works on cars? If it were me Id get whatever is busted from a junk yard and mend it back together until youre in a better financial position to get something newer. 4k isnt completely out of the ball park. Body work is expensive and youre being quoted to fix it to look new again. Thats not worth it on a car that old.Also to add to your mistake about not having full coverage, there is a certain point where the value and age of a car isnt worth fully insuring depending on the added cost for the coverage. I have 4 vehicles on my policy, only 1 is fully insured and thats because it still is valued around 6k and its only costing me about 180 more a year in coverage. So, it may not have been a mistake to not have it fully insured anyway. Theres a good chance this car would have been totaled anyway. Yes, you would end up with a check but going on the what KBB says yes I know, not always accurate, assuming thats a base model, the private sale value of that car in good condition is 2500. 