My wife works at a big insurance company and we've always had good insurance, this year they changed and we now have a $5,000 deductible. Its ridiculous.
Sorry to hear that, I lost both my parents not too long ago so I know how you feel. They wouldn't want you to wallow in a depression so enjoy the things that make you happy. We still have some good times coming in the next few weeks so try and enjoy it best you can.
I got in an accident and had to get a rental and it was the same as yours $25 a day. My agent upped mine for very little money so when it happened again I got it fully paid, it's not much more to up the rental to $50 per day.