I feel like a worthless peice of crap. How can I be so messed up? My son was in a car accident last night. Minor, he had a blind spot and hit a state trooper while changing lanes. Well, my friends were here and we were talking about insurance premiums and kids etc. I opened what I thought was a bill for November's insurance payment.

It was a cancellation notice affective 10/25. It seems that my check for September's payment bounced and they did not re-deposit. My bank is usually fine about that. I screwed up my checking account. I went in early Oct and made a payment and that one cleared. so now the notice was before I made the Oct payment. It said that the policy was cancelled Oct 25. I am trying to understand if since that one cleared it pushed the cancellation to Nov 25th. I am going nuts. No one to call till tomorrow.

I pay his insurance because he is a student and hasn't been able to. I was just talking about having him pay his own insurance because he is living here. We just don't make enough money to survive! I am scared.

If he was uninsured he is in deep trouble. Because of me. He will be fined, we will have to pay the thousand or so to repair the trooper's vehicle, he will have points on his license, and he will have to buy special SR22 insurance.

I want to throw up. How come I didn't check that letter? I don't open my mail much. I usually mange to keep utilities from getting shut off. I was looking through my checkbook and see that the bulk of our money is med co-pays, (along with $500.00 monthly health insurance), food and pets. We certainly don't buy entertainment.

I feel so ill right now. How can I deal with yet more stupid stress? I feel like an idiot! Why is everything so complicated?