some insurance companies now have a 1% fault clause. it means that if youre at fault even slightly in a crash they wont pay for your damage. that is prolly youre worst fear with that. otherwise just make the cops determine whose fault it was, aka get a suit going with the other guys insurance company now. its obviously not youre fault cuz there is nothing you can do man. but on a more serious note im glad everyone is ok and im sorry to hear that this happened
