Pension early removal was for down payment on a car. Mine was totaled, when I hit a deer on my way home from work(25 miles from home). Can that be used to lower penalty?

Plattsburgh is closest city to home, where most jobs are.  My long term job is what supports my family, who have a 5 year old.  There is no real public transportation system, so people in the area need a vehicle to work or buy necessities.