ouch that really sucks man... once i've a real job i'm getting full premium... now if only those damn pigs stop making my points go up... hehe, good thing ur okay and found something to replace your car... g/l w/ the new one. Oh yea... i dont think you HIT the tree @ 90, prolly was doing 90 before you went off the road but slowed down while going thru the bushes etc... if you hit a tree at that speed your car would've melted around you.