BOO BOO CAR PAYMENTS

Well, we heard from the Hartford today.  They totaled out the car and will give us $3500.00.
However, we had taken out a loan of $2500 earlier in the year.  I don't know how much we paid that down so I have know idea how much we will actually get.  We already found a car for $10,000 but the payments will be about $400 a month.  And I am not even sure how much our insurance will go up.  It sucks BIG TIME!  Ugggg.