Is it worth fixing the car, even for more than its value, since that's presumably still less than getting a new car?

(((Maria)))

I'm glad you are okay, Kathy.

Maria, I am so sorry. My thoughts and fervent wishes will be with your family.

I'm so sorry, Maria!

Kathy, I'm glad you're all right, and that sucks about losing your car! I hope the other guy had good insurance.

Kathy, oh no! Something very similar happened to me almost two years ago. Not fun.

Yikes, Kathy! Glad you are okay.

I was going to complain about my masseuse forgetting to write down my appointment tonight and giving it to someone else. which is disappointing but really? relatively not a big deal, or a deal, at all. And I've rebooked for next week and I'm sure I will get an extra long and awesome massage because she feels so bad about screwing up.

Kathy, I'm glad you are ok. SUCKS ASS that you might need a new car.

The flooding levels they are talking about are devastating. They are comparing it to Agnes in 1972. Maria, your family is in my thoughts. Let us know what can be helped.

Thanks for all the good thoughts! I'm fine (just bit my tongue really hard, and will probably have a bit of a bruise from the seatbelt), and the other guy and his passenger were even better (they were in a pickup and I hit them on the right side when he turned in front of me). My car's front end is completely smashed in but the crumple zone did just what it was supposed to do, and crumpled all the way up to the windshield. The rest of the car was in fine shape, and both doors opened with no problems. The front bumper was lying on the pavement, next to the blotch of what looked like coolant.

I looked up the blue book value, and an excellent quality trade in for my model and year would be $13,125, so I'll see what Progressive quotes me. If they do determine it is repairable for around that rate or less, they'll fix it, otherwise, they'll give me a check for whatever amount they determine (I will definitely protest if they lowball me) less the $500 deductible.

I'm going to go car shopping on Saturday for a slightly used (around 2-4 year old) excellent quality car and see if I can find one for about $10-13K. If I have to get a loan for under $5K, I can definitely swing that, especially since my credit rating is a lot better now than it was when I bought the Civic six years ago.

If they do total it, I'm going to take some of that check and use it to pay off my one credit card, since a car loan would be a lot less in interest than the 30% I'm paying Household.

And it's raining like crazy here again. ugh

Glad you're ok, Kathy. Best of luck with the insurance.