It's interesting that she could cover the car in full but seemingly is short the exact amount that her power bill is going to cost. If I were a credulous foil I'd probably be more inclined to believe and donate to someone claiming to be a bit (or even a lot) short for that second bill, I'd feel like they were genuinely putting the last of their own money towards it rather than suspecting they have some of it but have just gone "Welp, I'll make internet idiots pay this one"
ETA why the FUCK is she paying insurance on a still-wrecked car anyway? Pissa, the lights were definitely the more sensible bill for you to have paid in this instance. You deserve no lights, no car, and no sympathy, you fuckin mook.