That sucks about the driving incident!
My one piece of advice in all of this is to not give up. This kind of event happens frequently in life. Obstacles will come in our way and we have to just deal with them. With time and practice you can learn to avoid the kinds of obstacles currently getting in your way, however interestingly enough you'll be challenges by bigger obstacles.
And in terms of money these kinds of things happen all the time. Unexpected bills seem to have a way of just showing up. I've used the phrase, "the cost of living" to describe having to pay money i didn't expect to have to. In some ways I've learned to expect to have to pay this money out once in a while. :P
Hang in there! Each setback can equally be viewed as feedback. Learn your lessons and continue to grow.
Take care!
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