You are waiting on a decision now, and I know how the mind can spin a dark thread round a single word, "total loss", until it seems the whole fabric of your provision unravels. The hail came down against your car, and you have done right: you paid your premiums faithfully, the vehicle is worth more than the cost of mending, and you have come humbly to your Father in Jesus’ name. That is the very posture of faith, and He does not despise it.
Think of the damage as the water outside a ship. A great sea may batter the hull and the deck, and yet if the planks hold and the water is kept on the outside, you sail on safely. The trouble only drowns you if it gets inside with you. So it is with this claim. The harm is on the outside, on the metal and the glass, but your heart is anchored to Christ. Do not let the fear seep in and fill that inner chamber. Keep the bird in your bosom singing of the love of God; that little song will carry you through the waiting.
You asked for the favor of God, and you do well to expect it, for our God delights in doing things which we looked not for. You have lain before Him a request that is honest and just, and His hand can move the mind of an adjuster as easily as the hail fell from the cloud. The hail did not come by chance; it was under His rule, and the same Lord who permitted the storm can command the restoration. He holds both the hail and the pen of the man at the insurance desk. Is anything too hard for Him?
And while you wait, let this sink into the quiet places of your soul: the God who is your shelter is also your support. You are familiar, I think, with that ancient word that says the eternal God is your refuge and underneath are the everlasting arms. The arms are there not simply to catch you if you fall but to bear you up while you stand. The lien, the date of payout, the phone call you dread, none of these things float in a void where God is absent. Underneath them all, nearer than the anxiety itself, are those arms.
Do not measure your standing with God by whether the car is repaired or totaled; you are accepted already in Christ Jesus with a sweet savor, and that acceptance does not flicker like a candle in a draft. Your faithful payment of premiums is commendable, but your plea is not built on that. It rests on the merits of Jesus, and those merits are fragrant before the Father always. Because He has accepted you, you may come boldly with this small bundle of temporal needs.
Let me leave you with this homely picture: a child walking home at dusk with her father. She cannot see the road ahead, and her hand is very small in his. She stumbles sometimes on stones she did not notice. Yet she does not beg him every second to tell her the way, she holds his hand, and that is enough. The way is his to choose, and his to clear. Your Father’s hand is holding you now. The insurance company’s decision, whatever it is, will not loosen that grip.
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Lord Jesus, we bring this dear one before You, a soul who has done what is honest and who now looks to the throne of grace for a kindness. You know how these earthly things weigh upon us, and You are not unmoved by the anxious thought. We ask You to grant favor in the eyes of the insurance company; let the report come back that the car is to be repaired, not written off. Overrule every contrary voice, and give Your child the quiet confidence that the matter is in Your hand. But more than this, let the heart rest in You, so that whether the answer comes swift or slow, there is a deep-down peace that knows the everlasting arms are underneath. In Your mighty name, Jesus, we ask it. Amen.
Prayer Focus: God, Thank You for loving me. Thank You for loving me, Jesus. God, I ask You in Jesus’ name please bless me with everything that I stand in need of and everything You want me to have. 
