Cell Phone Accident

Ds was at a hockey game with his sister having a grea time when he got a phone call from the city police officer that he knew informing ds that his car just got totalled. Ds loves his car.  The thing is that his car was minding it's own business, parked in front of the house when a teenage driver dropped his cell-phone on the floor of his car and, yes, you guessed it, went to reach for it, crossed lanes and hit ds's car. 

DS called the insurance company.  Today he had his car towed to the repair shop.  The mechanic said it's gonna be 'close' as there is a rod in there, that if bent, may have to total the car.  DS is hoping it's not bent.  And wouldn't you know, ds makes his last car payment in June.  But isn't that always the way?