<prompt> Human: On January 12th, I was involved in a car accident which led to my new Lincoln MKZ Hybrid being totaled. The damage had looked minimal but the entire suspension of the vehicle was affected as well as some wiring. Both my auto insurance State Farm and a private auto repair shop that I trust agreed that the car should be totaled. The accident occurred when the vehicle in front of me on the highway hit the vehicle in front of them. I wasnt able to stop in time. I had had a few glasses of wine that night and was arrested for a DUI at the scene of the accident. My BAC level when tested at the State Patrol office was at 0.10. I had only just recently purchased my Lincoln in May. I had depleted my savings to do so. In October, I got braces which depleted my savings a little more. With the DUI, an uncle who works in law enforcement recommended a lawyer for me to see. The cost to retain his services for a first DUI conviction is 5,000. I dont believe I qualify for a public defender.State Farm paid me what I thought to be a fair amount for my Lincoln. I had pulled up a lot of ads on Craigslist and AutoTrader and the amount that they offered me was comparable to what I found. Though fair, the amount they will pay will not completely take care of my loan. GAP will cover the rest. I understand that it could be a lot worse and that I should be grateful for the GAP so that Im not paying for a car that I no longer own. My problem is is that I need a car. Im a single parent and live in a rural area without much public transportation. Unfortunately, I had just over 5,000 in my savings account which will be gone tomorrow once I pay the lawyer. After that, I have less than 100 in savings. I cant be the only person who finds themselves in this situation after a car accident - without a car and without money to put down on a new car. I had considered going to a car dealership to see about getting a car with 0 down but talked to a friend who works for an auto dealership who said that typically 0-down payments are reserved for brand new car purchases and those with credit scores in the mid-to-high 700s.As much as I need a car, I cant commit to a car payment for a brand new one with a super high monthly payment. I need something reasonable especially with how expensive the DUI is going to be. My credit score is 637 and all payments on all of my credit accounts have been made 100 on time. Unfortunately, I dont have any family members who are in a position to loan me money and none who have an extra vehicle laying around for me to borrow for the next few months while I save money.Can anyone offer any advice for me?  <response>: Do you have anything you can sell? Can you get extra hours at work? Anyone you can borrow a car from in the short term? 