Actually his first sentence said I need advice. Not saying your wrong but I hope the worst doesn't happen. It sucks that your going through similar issues. Having an accident is every drivers worst nightmare. Creates a total mess to deal with. I was rear ended on the way to pick up a pax. I am very thankful I didn't have a pax in my car. I was lucky in the sense I was rear ended, no pax, and it was a beer truck so it was a commercial company that hit me. Didn't even report the accident to Uber or my insurance company. The company that hit me paid for everything. Got lucky that time but every day we take a risk.