Diamonds and Distress

Packed up for their very first outing in their brand new SUV, the family left city limits. As they entered the highway, a speeding truck swerved into their lane and collided with them. Fortunately, the cars airbags functioned perfectly and the whole family wore seat and shoulder belts. The car was a total loss, but the family emerged unscathed. That is, all except their 7-year-old son. He was unconscious with a concussion, and maybe even a fractured skull.

What could possibly be good about the above situation? The family saved up years for the new car. They had not yet clocked two hundred miles on it. Yet now, it's a total wreck. What's more, their little boy is now in the hospital and the situation is critical...