I was stopped at a stop light in my '04 HCH when a Ford F-250 rear ended me. Car got pretty messed up (I never even had an ache, thank you crumple zone) but was only $7,000 so they did not total it...darn hybrids hold their value.

Since it was not my fault I fought for diminished value and was able to buy an '06 without raising my payment and without extending my loan (traded mine in and the ins $ went to down payment).

I also got to cancel my extended warranty that I paid $1,600 for that did not even cover my hybrid batteries (lying finance guy at the dealer) and got a pro-rated refund that will more than cover my new HondaCare warranty (almost $300 over the new warranty).

I guess I really made out and should call the guy and thank him for not paying attention.