I'm in a similar boat. My DH was recently t-boned. Both vehicles were w/o but, other than bumps and bruises, everyone's ok. Because his truck written-off, we're down to one vehicle. (Lesson: taking the cheaper insurance option, so you don't pay more every year than your vehicle is worth, means you're on the hook when things go south.)

He got shipped out of town for work soon after the accident, and his conpany sprang for a rental, so things have been managable so far, because there's only been one driver at home. (Childcare is another issue entirely.). In a few days he'll be home and we'll only have one vehicle. (We bought an old pick-up but, given that I was unemployed for a few months, it'll be a while before she's on the road.)

I've been thinking about a combo of public transit and riding my bike. (No slight on him. Because of our schedules, he'll have to pick-up our son from school, which means I need to be more flexible than him.) I have to admit that I hate the thought. There seems to be an issue with the PT around here at least weekly. On the upside, it would improve my health and save money. (Right now, I spend about the same in gas every week as a transit pass and price seems to go up every week. Not taking transit Means driving him to work, which would bump up our weekly fuel consumption from my solo runs.) It's also good practice for a real" have to hoof it" situation. Me, my office kit and my bike, making the commute to and from work every day is a pretty good test and will, no doubt, offer some good learnings.

I'm undecided. The truth is that I'm just not so committed to the cause that I want to be away from home any longer than I need to be, and my car works best for that.