Hi,
I just got into my very first car accident today. I’m 18 and I’ve had my license for about 3 months. The accident wasn’t terrible just a fender bender. As of right now, I really don’t know who’s at fault, but I just wanted to know if anybody had any suggestions on how to deal with this accident? Its kinda freaked me out a little. I keep feeling that I am a terrible driver but I’m really not.

Also, does anybody know how to deal with reporting an auto collision?
The other driver and I exchanged our information including ins., addresses, etc. He kept trying to make me admit fault but I refused to do that. He also mentioned to me that I could just pay him without going to the insurance company. I told him no, and I that I was going to the insurance company. We are meeting up tomorrow to report the collision to a collision centre. I’ve asked around, and by the looks of it, people are saying that its my fault because he had the right of way. Do you think this will affect me any more in the future? If so, please give me some suggestions to get past this.

Also, does anybody know how much my ins premiums may go up? keep in mind this is my dad’s car and his insurance covers the car and those who drive it.