I think 18 years olds must be lobotomized. What I haven't figured out is when they get repaired!
We went through that with S18 this past fall totalling his car... and he WAS still on our insurance. Thankfully it was determined to not be his fault. But, like you... this accident happened around the time our sitch was coming to a head. Like you need THAT extra stress at this time.
Still... you sound like you are managing amazingly well right now. Clearly you have determined what your limits are and that they have been reached.
And... you have the most FABULOUS, supportive, good looking support group on the planet... What more could ya want?
We went through that with S18 this past fall totalling his car... and he WAS still on our insurance. Thankfully it was determined to not be his fault. But, like you... this accident happened around the time our sitch was coming to a head. Like you need THAT extra stress at this time.
What more could ya want? 
