Best friend of almost 35 years nearly died 20 years ago when his Dodge Neon went head-first into a Jeep Commander being driven by a woman. He was hurt. She wasn't. Thankfully he was wearing his seat-belt and the car had air-bags. None of it was good. Besides getting hurt, his car was obviously totaled. It was paid off. So now he had to dip into his savings to buy another car. Which he did, after he recovered. I'm sorry, but some things in Life are genuinely bad. No, "Maybe so, maybe not."
(BTW, the other driver tried to claim that she was hurt in the collision. When his car insurance agent found out what she was driving, compared to what he was driving, he gave the woman a quick call on the phone. She mysteriously dropped her injury claim immediately afterwards.)
I don't like to think about what could have happened. He was dating a miserable skank at the time. After dumping her 6 months later, he met his wife of now 20 years. A genuinely good-hearted woman who stuck by him during the worst period of his Life, a few years later. Which I will not be going into.
I remember the skank and a few of her friends were hanging out with us and a couple of our friends at the time, at Dave & Busters in Upstate NY. All of us having dinner in the restaurant. One of her friends gave him a hard slap on the back. The horrendous pain on his face and the horrifying silent scream made it clear he was no where remotely healed up. Her friend tried to laugh it off. It wasn't done with Malice. But if it had happened a 2nd time, I'd be sitting in jail that night for initiating violence for the first time in my life. Her friends were junkie stoners. About as imposing as an old-fashioned mic. stand.