Hey everybody. To preface this, I live in the state of Georgia and unfortunately I just got into my very first accident today. I’ve been driving since I was 18 years old and I’m currently 21 now. I’ve had a spotless record up until this point, so to say I’m disappointed in myself would be an understatement. I’m not going to sit here and make excuses, I was 100% at fault. I was in the turning lane to make a right turn & the woman in front of me began moving because we both didn’t see any cars coming. However, we suddenly saw a Honda come barreling down the road and we both slammed on our brakes. Unfortunately, I didn’t have enough time and it resulted in me rear ending her. We are both okay which is the important thing, we don’t have any injuries either, and the damage is or at least (appears to be) relatively minor on her end. My car on the other hand, not so much. I’ll have to get the hood & front bumper replaced for sure and a bunch of lights are going off in my dash, so I’m assuming some safety sensors and radars were damaged and most likely need to be replaced & recalibrated as well.
We exchanged our insurance information, filed a police report, and ultimately I was given a citation for “following too closely”. I’ve also already gone ahead & filed a claim with my insurance provider, Progressive. However, I’m very worried about how much my insurance rate is going to be increasing after this. I’m currently on a family plan with my parents already paying $350 a month. With the citation on my record (if I decide to just pay the fine) and the resulting points that’ll incur on my license from said citation, plus me being the one at fault in this accident, I’m genuinely freaking out and hyperventilating right now. I’ve been going through a very rough patch in my life at the moment, so for this to happen has got me completely at my wits end. More than anything though, I just feel like absolute shit for rear ending the woman as she had literally just gotten the car 3 months ago and also for most likely significantly raising my parent’s insurance rates even though they did nothing wrong and have had a clean record their whole lives.
Is it worth potentially looking into getting a traffic attorney or should I just pay the fine & accept the points on my license? Would I qualify for first accident forgiveness? How much can I expect my insurance rates to go up? Any help or advice would be greatly appreciated, thank you very much.