

Actually a car accident is what got me started on my new life. Two and a half years ago I was hit by a kid driving illegally on a restricted license who ran a red light while drag racing. My van was less than a year old, so his insurance company refused to total it saying that the damage had to be more than 75% of the value of the vehicle. They tried to say the accident was my fault (5 witnesses at the scene said otherwise in written statements to the police at the accident scene); they tried to tell me that I lied about the DVD player being broken in the accident (I had told the body shop to please check it because I was leaving a McDonald's with 2 large drinks in the cupholders, which exploded all over the DVD player); they told me that I wasn't smart enough to calculate diminished value and that the van hadn't lost any value (made to feel fat and stupid repeatedly). I was walking with a limp, couldn't turn my head without taking muscle relaxers, and couldn't carry my then 1 year old up the stairs to take a nap in her crib. Even a year later, the insurance company refused to believe that anything was wrong with the van (it leaked water on me every time it rained) and it just didn't run the same. After a year of arguing, I was severely depressed and in disbelief that the insurance industry seems to just be a bunch of crooks (they hinted that I should try to sell it without disclosing the accident history). The total to fix the van went well above the 75% threshhold.
Sorry for the book, but the gist of it is that I woke up one day depressed and thought "Why the h*ll am I letting this incident control my life?" I sold the van on Craigslist (complete with accident history and detailed lists of all that was damaged in the accident) and bought myself a cute, new car that fit my personality better anyway. Then I wrote a letter to the insurance company and said - this is how much my van was worth before the accident and this is how much I sold it for - you owe me the difference - and they paid it! I still lost on the deal, but not as much as I could have.
I don't mean to hijack your thread, but just wanted you to know that I know what you're going through right now, and it will get better. Make sure you see a doctor if the pain doesn't lessen - you may need muscle relaxers - and the insurance company should pay for it. Besides, now you can get a new car that you'll look so cute in when you get to your goal
Oh, and don't trust the insurance company. Do your own research to determine the market value of your totaled car.