<prompt> Human: I graduated a year ago, no debt, 70k salary in Atlanta. A week ago. I rear-ended someone with my Honda Civic 2010 LX 140,000 miles.I want to buy the new 2018 Honda Accord Touring 34k MSRP, and I expect to use it until it dies.After 22 401k contribution, health and dental insurance, I get paid 1,600 bi-monthly. No rent payments.My Credit Karma is 700. I have 3 credit cards with 20,000 credit limit combined. My parents great credit will cosign if APR is lower for financing.Currently have 6,000 in my savings.Should I sell my Civic after fixed for 4,000 and buy the Accord, or keep driving my Civic?I really need some tech like collision detector to prevent from sudden accidents again.  <response>: Seems like you think collision detection will always save you from rear-ends. It will help if you are not paying attention, which you should be in the first place but if someone cuts you off and slams on their brakes, and you cant stop in time, collision detection wont save you. It cant break the rules of physics. Also, car insurance will not give you a break on your premium just because you have it. 