Accidents happen. I rear ended into a wall because the road I was on was slick, it was lashing rain so heavy and dark, so I couldn't see and I stupidly tried to swerve to avoid something on the road to later find out it was a traffic cone and not a person... I didn't have time to recover and hit the wall. I was to blame because I was inexperienced (less than a year) and thought somehow I could control the car. I paid out thousands but it taught me a lot about how insurance companies see things. My driving is a lot more careful these days.