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I'll try to keep this short. Me and my wife got into an automobile accident. The driver was at fault (police report and everything). I only have liability insurance on the car so my insurance company told me to directly call other persons insurance company. My car was a 2002 Honda Civic (completely paid off) and it was well maintained and I planned to keep it for quite a while longer. Due to airbags deploying/front of car completely torn off, my car is deemed totaled. I went to the ER because of injuries and I have no car so me and my wife are not able to get to work. They are offering $4000 on all this and I feel that there is no way to get a decent car nowadays for $4000. $4000 would end up just being a downpayment and we'd end up paying monthly again. How should we go about all this?
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