A week and a half ago I rear ended somebody, right near my parents house. Now almost 100 percent of the time, rear ending somebody is your fault, I hit a patch of ice, and tried to brake but the lady stopped short where there was no snow at the intersection, causing 9000 dollars worth of damage to my car and 5000 to hers. I do not know what to do! I have a brand new car, financed, which was supposed to have collision, and did, but apparently after my first accident, a year ago, with a deer, they removed the coverage because of a rate to... read full review »