I was recently involved in a car accident. The accident was caused by the other party. The insurance company issued a total lost claim on my car and paid me. I'm thinking it's best to just use the money to pay for bills and other necessities. I live in a neighborhood that is located downtown where I have a grocery store and other convenient places that I need. Taking the bus or bike to work would be less expensive. I would save money on parking tickets and parking sticker fees and the cost of maintenance on a vehicle. In addition, I would not be able to afford car insurance on a monthly basis.Is my alternative the better option?