Car Accident

There was an emergency situation. In the mist of some terrible storms and my husband hydroplaned. He was driving a rear wheel car and lost all traction the back tires. He was able to steer the car to the median on the highway but with no such luck. It had already been down pouring for two days here in Virginia and there was anywhere from 4-5 feet of standing water in the median along with many many trees. My husbands passenger headlight hit a tree going about an estimated 45mph. That collision put my husbands car to the side and flipped the vehicle upside down in standing water. He was trapped inside. Once he realized the situation he was pinned upside down by his seatbelt. He somehow got the seatbelt to unhook and proceeded to punch the window to escape and to avoid drowning. He successfully broke the window and had to dive down into the water to escape what could’ve been his death. He walked away with scratches and gashes down his arm but that’s not why we need your help donating. Our insurance company won’t help at all. They said we had only had collision coverage if we hit and animal or person. Not another object or anything else. Apparently full coverage insurance isn’t full coverage, and we’re responsible for $18,000 still left on the car. Plus more for towing fees etc. I am unable to work due to Covid-19 and have been driving for postmates for extra cash. Please help. We’re in dire need.
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