I might have to revise my "you never get ahead because of an accident" position. I bought a spotless 2002 Chevy Malibu to replace my 2002 Saturn SL1 that was totalled a few weeks back. I only had to kick in another $550 over what Insurance guy gave me for the Saturn (I was able to squeeze out of him a couple hundred bucks more than he first offered--never say "Yes" to the first offer). So, for an extra $550 I have a lot more car with 30,000 less km on it.