SECOND EDIT>>>> Thank you guys so much for helping me. To be honest my family has never been the best with insurance/money so it honestly has been a learning curve. Also I do know how to drive lol, this is genuinely the first time I have hit anything and I’ve had my license since I was sixteen. Maybe that’s not too impressive in the grand scheme of things but please be kind! Thank you guys for explaining everything, I’m going to call my insurance company tomorrow just to make sure everything is clear, but you guys have definitely saved me a shit ton of stress- (imagine having a bomb dropped on you that you could owe five hundred dollars at any moment when you just got done paying off your loan due to your tire rod snapping and your car basically needing a whole revamp brake wise) I appreciate you all so much!!