My worry would more likely be one of not a one car family, but how or who will pay for any damage, and any possible pending implications that may arise from this incident.
Talking about insurance, a friend of mine owns a garage business, and just over a month ago he paid out for next years insurance cover via his usual insurance broker, who he as used for many years. They recommended another insurance company this year, so he took the brokers advice as per usual. Last week, he was told the insurance company had ceased trading a week earlier and as such he and his business no longer had insurance. Long story, but the heart ache is definitely easing at present, in trying to clear up the mess.