sorry whats NTB?
Anyways sorry to hear about your troubles. I had a whole string of bad luck too, but i'm just starting to turn things around, hopefully things will work out for you too. so far how much damage (dollar-wise) has been done to your car?
a side-note: my dad let a shop fix an oil leak on his mercedes and they left it parked on the street. someone ran into it and caused $14,000 in damage(dumb bitch who ran into it was doing 60 mph, and hit it head on) and the car at the time was only worth $16,000. but they didn't tell us how much the damage was until after, my pops was mad as hell cause he would have rather taken the $14k.