Oh, Elly - It's good that you are 'okay' and on the mend! I hope things get resolved (car/insurance) as quickly and smoothly as possible! Definitely time to get a new bag -- insurance might cover that too. . .
For my purses, it's not as bad as I thought: 26 bags (including 6 clutches) with two more designated to depart soon.
Although I could easily get by with 3 spring/summer and 3 fall/winter, and a couple special occasion clutches, considering how I dislike switching bags. . . I could never figure out which bags I would be most content with though. . .
A few of the bags are such distinct color: citron, teal, fuchsia that I need to switch out of them usually within a few days.
A few more are a color that functions more neutrally: cobalt, yellow, medium blue, chestnut. So I can usually carry them for weeks at a time.
I don't own a single black bag!!