My daughter was in a car accident and was injured. Her car was totaled and she just found out that her policy only covers liability. She cannot work at this time and has bills to pay.  She also does not have a penny to spare to buy a car. She relies on a car to get to work and desperately needs one to get back to work. She is an independent contractor and has no benefits. She needs to go to several locations and public transportation is not an option.