<prompt> Human: I was involved in an accident with my 2002 Nissan Maxima earlier this week and the car is totaled. The car has been in the family for several years and is completely paid off. Kelly blue book says my car was worth about 3500. It was a very good car that still ran very well and maintenance wasnt too expensive. What would my best course of action be financially? Should I just try and find another good used car to buy outright or is there some way I could put a down payment on a newer car and invest the money somehow to help make the monthly payments? Any advice for his situation would be truly appreciated. Thank you.  <response>: I would use it as a down payment on a newer used vehicle, unless you already have a new one... 