Ok, this will sound bad, but I am glad. that is not something she could have prevented. Chances are you, or I, or any of us would have totaled the car in that situation. See what the insurance will cover, and what kind of magic you can work in looking for another car. there is nothing wrong with her helping... working a PT job and putting some of it into the car fund... nor should it be a requirement. I hope you enjoyed your thanksgiving together.