No. of Recommendations: 6
If pay off the car I have no money in case I have to goto the hosptial again .

You are getting $20k for pain and suffering. You have a $13k car loan. You would have $7k left after paying off the loan, plus an extra $2,912 every year (your required every 2 week payment of $112) to add to the $7k. If you religiously put that payment into a savings account started with the $7k, you would get back up to the $20k in less time than it will take you to pay off the loan.

And it doesn't really matter if you 'have' money in case you have to go to the hospital again. You have already indicated that you will invest the money and you have demonstrated won't spend any of your investments or CDs anyway, even when you go to the hospital.

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