Oh, Gil, what a mess! But if you have comprehensive insurance on your car, you should be covered! I'm not an insurance person and don't live in NY, but I would be covered here. (Oops, just read that it would be collision, so ignore me)

When we moved here 23 years ago (24 in November), I had left my car at my mom's. Mark took his kids out on the lake to fish, took HIS car keys with him, and all the closet rods in the house fell down. After I had filled them with clothes. I had no car here to run away. Later that same night, we discovered that the plumber had swept all the grout from the upstairs shower into the drain, and plugged up all the plumbing. While Mark was gone to the office to try to find a snake, his 7-year-old's stomach suddenly realized that he had eaten an entire package of cookies that day. Yep, he threw up everywhere.

The plumber was located and came home with Mark, things got cleared out and kids put to bed, and the adults had wine at midnight. Luckily, I had told my 17-year-old to spend the night with a friend.