Hang tough man, "glass-half-full" side.. It's only a car. You'll get paid and get another ride. Yeah it's a hassle with the estimates and appointments and phone calls and paperwork but it beats surgeries and rehab. Your ins company will sue him for their loss so you don't have to. That's what the un-ins add on is for.
I smoked for 25 years, pack and a half a day for most of them and just quit three months ago. Got tired of it. The $$ and persecution and exclusion from more and more public places and peoples houses and cars. Plus I don't want my 9 month old grandson to ever be able to remember his grandpa smoking.
The biggest kick in the bass for you with all this is being stuck THERE and not being able to be hands-on helping your wife through this. It sucks. Thank you for what you do. I've done my time and all you have to do is stay safe and come home. Besides, the fishing has to be HORRIBLE there!
My worst day of fishin' is still better than my best day at work!