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Given your upper middle class orientation, this may not be the kind of question you're interested in, but I'm desperate...last week my Honda Accord got rear ended, while I was in my driveway. The woman who hit me had insurance, but of course, that's not doing me as much good as you'd think. The Honda had a lot of miles on it, and it was called totaled. The insurance company is offering me either $4800 for the total, or letting me buy back the wreck for $1000 and giving me $3700 ( the other money is so they won'ttake the title - I can't figure out how they justify it, but somehow I don't get a totaled title that way.) The car was rearended, as I said. The bumper is destroyed, the trunk is mashed, and sadly, there was some frame damage. Here's the question - should I buy back the wreck? I'm having a devil of a time finding something here in south Mississippi for $48k, but I've been advised by a couple of people who ( think they..) know cars that the wreck will be nothing but trouble. Oh, neither my credit nor my nerves can handle a car note. AND the insurance company is pulling my rental today (not fair, but what can I do..) Thanks for any advice you can give me... Lyn

Answers from the Automotive Experts

Patty Streeter,  at AskPatty.com Lyn, $4800.00 should be able to purchase a reliable replacement Honda Accord with high milelage, these vehicles can run well if properly maintained for 300K miles or more! Honda Accords that have been maintained properly are a good used car purchase, this was you do not have to take a note for a new car purchase. Check www.autoextra.com or www.edmunds.com to search for a certifed used car . Be sure to run a CARFAX.com report before you purchase a used car. I checked on AutoExtra and there are several listings in Mississippi by private sellers and dealers in your price range. I agree buying back a vehicle that has been involved in an accident will lead to addtional expense and repair issues.

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