<prompt> Human: So my girlfriend was rear ended. We live in Michigan. She had a 2004 Honda Accord, worth 3,800 on blue book, maybe 4,200 retail. Since were in Michigan we have no-fault insurance, and we had no collision insurance, meaning that we were insured for personal injury. Basically the thought here was that you would save about 800 a year by going no collision. Now in Michigan, apparently you cannot go after the other driver. Youre responsible for getting your own insurance. The most you can go after them for is 1,000 in a mini-tort. This means that the crash cost us about 2,600 we got 200 for salvage. We only had the car for about six months, so we lost about 2,200 total. And since I hadnt said it before, the repairs would have cost about 7,200, so the car was totaled. Its a shame because it was a really nice car.So thats what happened. We decided to go buy a 2014 Ford Escape. The cost was 15,000. We also bought a 2,800 warranty, and with all other fees it came to about 19,000. I have good credit, 798 credit score, and I got 2.49 APR. I put down 9,000 because I wanted to minimize the down payment, and I might have some other expenses coming up, so I wanted to keep some cash for that if needed. So basically I have a 219 monthly payment for four years.The car was a 2014 Ford Escape with about 50k miles. It has features like sync and rear view camera. It was a fair deal, I think. Anymore and I would have had to drive about 100 miles to get the same thing, and I trust the guy who sold it to me, so theres that piece of mind.Now tear me apart. What did I do wrong here? What would you have done? What sort of decisions could I have made differently?Thanks! I want to learn as much from the experience as possible.  <response>: warranty is a rip-off. Get that money back 