Trashed car, trashed budget

[iis612]

I spoke to the insurance company last week, and they said they were not going to honor the gap coverage because of the length of time I had the vehicle. They said that the negative equity remaining in the note was too much of a cost burden for them. Well, one quick call from my attorney and they are singing a different song now. The insurance is cutting a check to pay off the car, but I will have to come up with a new car on my own.
In the current economic situation in the US, and the credit freeze, I am going to have a hard time getting into another car. The car shopping could be worse than the accident.

Matt