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One_Wheel_Wonder tells us more.

OP here! I had insurance on the car, I did it over the phone the day before I collected the car so I was all legal to drive it. The guy who hit me had no insurance on his car, and was promptly taken away by the police who were called to the scene by a passing motorist. It was a head-on collision caused by the other driver, so I'm not at fault. My car is what my insurance call "a total loss" so it's beyond economical repair and wouldn't be safe to be back on the road anyway. My insurance company are going to deal with all the valuations and payouts (I can get a payout on the value of the car) but it's just such a shame as the car was super-low mileage, factory-spec, high-specification and in MINT condition. It was a car I'd always wanted but alas, it was not meant to be! No serious injuries to report, couple of cracked ribs from the impact/airbags and bruises but I was able to walk away from the accident, which is a plus. Not sure what affect this will have on my insurance premiums though, but time will tell.

HappyItalian tells us more.

OP here! Let me explain the situation: The reason why I did not notice my last name being misspelt for so long was because 1. The only way you could see it is if you went to a certain section of your online banking 2. It was just ONE letter off, and I have a very long last name so of course I didn't notice at first I actually came into the bank that day and told them both my problems (that my name was misspelt and that I had lost my card). I don't know why but FML rewrote/reworded my FML so they left out some things. The reason why I couldn't remember my last purchase was because I have a short-term memory problem, so even I have to check online almost on a daily basis what purchases I make. I told them this and they refused to accept that, so I gave them an answer: "I must've bought food, because that's the only thing I remember spending money on this week". And yes, the answer WAS food! They just thought that that was too vague to accept. I gave them all forms of ID I had, including my SS card, but they wouldn't accept it because of the misspelt name. I tried asking them if I could answer my security questions my account asks every time I log in, but they said that "doesn't count" because their online, phone, and in-bank banking are all different from each other. So in conclusion they just shrugged and told me to come back again tomorrow.