@elated @asked.
"Would you be renting a car if you didn't have an accident ? It doesn't make sense otherwise."
Yes, I would and do.
I rent cars when I take a holiday or need to travel a distance 100 miles plus.
I put the wear and tear on the rental car.
Besides owning a home a vehicle is usually your most expensive outlay.
I'm by myself and don't plan on buying a new or used car every few years, I own mine until it drops dead.
I'm 72 and this will be my last car ownership.