Long story short me and my car got hit by a bus and the guy took off. I'm fine, but the car is damaged. I need to pay for most of the repairs because of insurance issues. I can afford it, but it's still expensive. I'm starting to have self-doubt, this is my first car accident 😭
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![emoji lenin-facepalm lenin facepalm](https://lemmygrad.ml/pictrs/image/b12fb24b-825a-46d7-a221-476fc3a4469b.png)
And the time you actually need it, they will refuse to cover the costs.