Food for thought though Chris...
-I'm assuming you weren't hurt in the accident nor was anyone else. Insurance will cover it and you'll move on and be a better person for the experience...
-Girls come and go... Then they come again. I'd be more disappointed in losing out on Christmas gifts possibly, but then again I'm a pig.
-At least you have credit...

And it's just a glitch, **** happens.
Now go out there and be somebody!