Just to give you a general idea of what I go through on a daily basis. I took collision off the car for the simple fact that I was accident free for a while and now look what happens. Fortunately the guy is also a Liberty Mutual customer, bad news is they're holding me 100% liable for the accident. I'm fighting it tooth and nail to get out of it. Going to do 1 of 2 things: 1. Take the car off the road and rebuild at my leisure but get a $2,000 beater 2. Spend the $4K it'll take to rebuild it NOW and fix the frame damage and call it a day. Means I'll have to take a personal loan out to afford it. Le sigh. So far nothing has been good. Next step is to fix it and paint it and drop it. I swear it's always something.