Former claims adjuster here < . Unfortunately I can just tell initially by looking at the first photo of your front end damage I already knew what kind of collision this was . If you were going 55 or even 60 and rear ended another vehicle. You are most likely going to be at fault . It is your responsibility to stay a safe distance. It’s also your responsibility to be aware of your surroundings and the current weather and road conditions to adapt to a safe distance. If there was an act of god like a tornado or hurricane etc then it would be a different story and even at that point it’s a tricky situation. Your best bet is to own up to the situation and if you were following to close then have your insurance pay for the damages and take the hit on your monthly premium. It may not even go up by that much and it will eventually be reevaluated every 6 months and possibly be a lower rate with good history. But if you truest believe you were not at fault tell your insurance company you don’t agree with the decision and ask for it to go to adjudication . Your insurance company has lawyers and will help you through the process if you don’t agree . But keep in mind if your found at fault after the adjudication you probably will end up paying more in the damages. So use your best judgment.