The lovely editor I'm working with has given me the go ahead on my thoughts for revision, but there's just one itty bitty problem.
That's right... my heroine prangs into the hero's swish, red convertible and in the original incarnation she's 'between insurance companies' and therefore stressed because he's annoyed about his car and she's about to tell him she can't afford to fix it.
Problem is the heroine needs to be BEYOND REPROACH and let's face it, anyone who doesn't have insurance is a bit of a ninny! So I need her to have insurance just not want to claim it for some reason.
The heroine is saving for/pursuing IVF as a single woman and so she needs all the dosh she can get. However from my understanding excess, no matter what kind of car she prangs, will be maximum $500 or something. There was the option that she doesn't want to claim because she wants to look irresponsible for the IVF treatment but in Australia single women are legally allowed to do IVF, so I don't think this would be an issue either.
Still ... without the insurance issue, she has no reason to feel indebted to the hero and therefore the next bit of the plot doesn't work. If the next bit doesn't work, neither does the next and so on and so on. Besides... the editor liked the car prang and what the editor likes we give her!!!
So... am desperately hoping that someone out there knows a bit about insurance. Is there any way around my little problem!? Will pay oodles of cyber chocolates to anyone with a solution :)