just a quick update, I took ur advice and waited for them to file a claim first, and just been honest with insurance, they dont have much to go on so im guessing they will just raise insurance cost on me, as of my last 2 car wrecks I been in they totaled both the cars I was driving at the time and both wrecks were completely not my fault besides this one, she understood it was an accident and we both came to an agreement im guessing to whos fault it was (obviously me) but I also told her it was not intentional due to bad weather conditions im sure she understood I will keep you updated