I remember after my car was wrecked in college thinking how cool it would be if it was "totaled." It sounded pretty simple . . . I got a new car. It was cool then because my parents were nice enough to buy me a new car but I didn't give much thought to the "buy" part. It sounded like a simple exchange.
As an adult responsible for my own car payments, totaling a car is not so cool. Our beloved Wagon had been paid off and we were enjoying life without car payments . . . alas, that life will soon end. The insurance company has determined the car is a total loss and they are "buying" the wreck from us; admittedly at a very nice value. Even with what they insurance company is giving us, we will return to having a car payment for a little while.
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