So, my 06 acura tsx with only 35,000 is deemed totaled in an accident. Other person's fault, and their insurance is paying for it. I just got that car 6 months ago and I miss it deeply. Anyway, so now I'm waiting for my check from the insurance company to come in and this is where I need insight. I have 2 alternatives... 1) is to pay off my mom's 09 camry and take that car as my car or 2) I can use that money to put into another car.

Alternative 1: Paying off mom's car
1. My mom gets rental cars ALOT, she spends nearly $ 1000.00/mth on rental cars, so she wanted me to pay off her car, so she can get an SUV or something similar so she can drive the car out ( I told her the camry are good cars for putting mileage and good on gas, but for some reason she feels safer in an SUV...I don't know).
2. The 09 camry currently has already 65,000 miles on it.
3. I would have NO CAR payment plus a little extra cash to pay off credit card debt.

alternative 2: Getting a new car
1. I would be able to get a newer model acura with same or lower mileage
2. I would have car payments, but pretty low because of the down payment I have.

I'm more leaning towards paying off the camry, but I am a little hesitant about that. My mom is known for " Not doing what she says" in the family. Meaning she would tell you this great plan and when you go through with your end, well then she doesn't stick to her part and basically screws you (trust I know, I have been in that situation). I'm afraid that after I pay off her car, she then will decide NOT to get a car and tell me that we should share cars-which means that I will have to be dropped off and find a ride if she can't pick me up (it happened before). I don't think she would do it this time, just because she will NEED a car and save money on rental cars. So, me paying off her car would really help her out. I currently live with her without having to pay rent, or electricity bills. I just pay for the internet and cable bill and help out with groceries and I pay for my own necessities like toothpaste, shampoo, toilet paper etc..

On the other hand, I would like to get another acura because the one I had was THE best car I've had. I could just tell that car would last me for a long time. I'm afraid if I pay off the 09 camry since the mileage is so high, that problems would start on that car and I would end up spitting up cash soon.

So, what do you think?

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