<prompt> Human: Hello, i had an car accident this friday and if my insurance doesnt cover the bill i will be in huge trouble because i cant afford a new car neither can i pay the bill of the other guy his car. Has someone ever been in such a situation and does anyone have any suggestions on how to handle such situations? Would be appreciated because im only 20 years old and still in my education where i earn 700 a month.  <response>: I mean you can start by reading your insurance coverage and find out exactly what youre covered. 