<prompt> Human: Ive been using this sub for a while - got out of debt, improved my credit, built a little cushion and bought a house using a USDA rural housing loan with 3.5 interest and no money down. My car is a beater - reliable as hell, but still a beater - and Ive been hoping to get it to last until Ive had the house for about a year while I get myself some things for the house and get over the anxiety of spending 175k. But, I hit a patch of black ice yesterday, spun out, almost flipped my car and landed in a ditch. Im going to need to get a new car. Keep in mind, I only have liability on the car since its literally worth less than the deductible. Ive been beating myself up about it, and very concerned about depleting my savings account, and woe is me...Except, thats why I have a savings account. And I dont need to finance something and increase my insurance to include comprehensive, and struggle to make ends meet every month. So, thanks PF!  <response>: Well done. Crazy that an emergency fund helps in case of emergencies. 