Yeah, car accidents suck. Glad to see you're both ok, though.
I've begun to find out (at least, when the accidents minor and one's own fault) that it's a lot cheaper to just repair the vehicle yourself. I rolled my truck into a swamp (swimming out of it when it was upside in putrid water was a different experience) after I overbraked, hit gravel with 2 of my wheels, and lost control in a turn very late at night. The insurance was going to be atrocious. We worked it out that I would fix it (a lesson to not do it again that I learned quite well) and that my insurance wouldn't go up. Overall, one summer's worth of paychecks and a lesson learned were the only outcomes.
I landed in schtick and came out smelling like roses one could say
