i am sorry to hear this from you. i understand you and your husband's feeling, it is not only the lose of money, but the lose of life also, it is like somebody robbing your life, because i experienced twice in canada, last summer when i was in china, my house got robbed and i lost all my jwelry which i collected for many years, each one has its story behind, so in another hand i didn't only lose money but my past of life also. and this year, just 2 or 3 weeks ago, my husband's truck got stolen on saturday night, we felt sad about this and is not able to understand why we are on the target all the time, we felt that life is unfair to us. but later around we have to accept that it is life, we are just not lucky. by the way, we don't live in the poor area nor rich area, just normal area. it just happened, that's all. and i think the insurance will pay you back a new car. so take it easy.