Dear Ninja

Ok so i'm sitting on the horns of a dilemma. Yes it sounds painful. I was recently in a car accident. My car was fixed up and running better then it was ever running before. It jus looked like hell and it looks even worse now. Anywhooo the adjuster got back to me with the totals of what it would be if I keep the car ($940) and if I would let them take the car ($1700). If I keep the car I'd get a new fender, hood, breaks and tires. Orrrrrr if I let them take the car I'd look for a new car, prolly an explorer. I REALLLLLLY want the $1700 but I also know how picky I am with cars and I know how long it takes me to find a new car. So I've come to Ninja for advice. Help a brotha out!

Sincerely,

RP (I wasn't signing this Teebow, even with a fire poker up his ass)

Dear RP, 

You really shouldn't make a habit of sitting on pointy things. Rectal bleeds can be a bitch, medically speaking, and cost you a lot more than that 1700 bucks. Although if the accident wasn't your fault, there may be a way for the insurance to pick up that tab.

As far as the car goes, find out how much you can get for it as is at a junk yard or private sale. If it's worth more as parts, which it sounds like it is, you can take the 940 from the insurance and sell it for parts while you look for a better ride. While you're laid up, hop online and do your research. There's a lot of people that post in the classifieds that buy cars in any condition. See how much you can get an offer for the way it is now, and if you don't get a bite over the total of 1700, take the money and run. Let the insurance handle the headache.

Good Luck.