Replacing a totaled car before end of year

Replacing a totaled car before end of year Got into a bad accident a few hours ago. PD said insurance will definitely total the car. It was paid in full, a 2008, and I’ll only get the blue book value, which is maybe 7k. I started working for myself this past year and it’s slowly picking up but am in a HCOL area. Crying because I just replaced AC, tires, cabin filters, tune up, etc. I’d b...

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