Firstly, Karl is fine. Thank God.
Our only vehicle, a farm truck that we did not all fit into anyway but Karl loved dearly, is totaled. Karl got into an accident (not his fault) and poof! We're ruined.
The insurance payout will be very little. Karl can't even get to work. We have no way to buy a car. This is what living on the edge is like I guess, something like this happens and poof! I have no idea what to do next.