Uh-Oh! Rear-Ended

There's always something in my life that feels like a setback. My husband's father has cancer, his son is getting a divorce and is miserable, his business isn't doing well, I've had migraine attacks like I'm on the front lines in the Civil War, my older daughter has to move out of the apartment she and her boyfriend live in within 30 days (no choice; it's being sold) . . . the list goes on and on.

Top that off with blog-subject daughter being rear-ended a few weeks ago. Hers is a "fault" state, so the other person is 100% at fault and my daughter doesn't have to worry or contact her insurance company. However, on that date, she realized she had let her insurance lapse and would probably have her license suspended when she reported the issue. 

She asked for my guidance on what to do from the beginning. We found the rules, and she said she followed them all and the only thing left was to call the other driver's insurance company. My