After totalling one vehicle, that should be a hint to get something with little residual value. Plus the insurance costs would be that much lower without collision insurance on it. So an old 124 like I have might be a good choice. Plentiful, cheap, airbags, abs, good in a crash. Or maybe a 300D or a 4 cyl 190 for less thrust...
Plus, I think these are good learner cars for the aspiring shadetree mechanic. Access to things is pretty good with 'old fashioned' front to back engine and rear drive.

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1986 300E 5-Speed 240k mi.