For the record, we had all our children with no health insurance (including pre-mature twins, and a child who died at four months) - and our entire married lives have had only one wage earner. We would have repaired the van and sold it, forgoing a car if necessary (we didn’t have a second car till we were married 18 years, and the car we owned had well over 100K on it when we bought it).
My husband is in a field which has been in depression, not recession, since 2007, and we are living on the same income we had in 1986. Our belts are already tightened, and in our last storm, our roof blew off and is leaking. My BIL went up on it with my husband to assess damage and in a soft spot, where the damage was, his foot went through, causing more damage. We would never have asked him to pay for it.
Pensmama - been in your shoes and it is often not much fun. May I suggest you check out at your local library The Tightwad Gazette, written by a woman with six children, one income. There were three or four years of this little gem, published oh 20 years ago or so, with tons of ideas about how to really save some money, even when/where you don’t think you can. The year our income was less than $10K, we were able to have presents on birthdays, and food on the table for every meal - and we were happy!