<prompt> Human: Due to some carelessness and stupidity on my part, I got into another at-fault accident and got my car written off as a total loss after only 18 months since my last one after a 13 year accident free driving history no less.Obviously my insurance premium will sky rocket even more assuming they dont drop me completely so I was wondering if there is some calculation to determine whether it is worth it to continue with a similar replacement car and pay even higher premiums for the next three years; get some expendable 10 year old clunker that I can forego collision coverage and drive at least until my record clears up, or something else like get a scooter or learn to take public transportation.Fortunately, I currently have no debts and my savings will will not take a huge hit because of the current collision coverage, but I try to be pretty frugal and financially responsible and the increased 6 month premium will likely use up at least an entire bimonthly paycheck now if not more.I know its not the most sympathetic case compared with some of the other problem on this sub but I dont know anyone else knowledgable I can ask about this so I could really use the advice.  <response>: If its reasonably possible for you to get around using public transportation, Id suggest that for now.More importantly, you should do some thinking and possibly talk with a doctor about whether theres something going on with your alertness, reaction time, etc. 