I was about 15 feet back but traveling at 30-35mph and having only front brakes (ford focus) was not enough to bring me to a complete stop therefore causing the rear end. The damage on their vehicle was nothing but a few scratches of paint found on the lower part of her Ford Edge 2015, a part which is universal for all Ford Edge of that year. That is the back story, now to the main problem. I crashed in my parents car, and I was found to be excluded on the insurance policy, so that would mean that the insurance would file a letter to whom i had crashed with stating that they will not cover any damage. The person whom I had crashed into is now sending me her estimate through text, she is looking to get $ 1500 out of it. That is an amount that I feel is not worth the damage I had actually did to her vehicle, so i had offered her to settle at $ 1000. She has not responded. P.s. The insurance companies never took down a statement from me about the accident, there was no pictures taken besides one of my license plate from the other driver, it was night time and my car is black so even if there was a picture taken the image would be hard to depict. Do I do the right thing and pay her the full total, or do I take another approach fix my own car with that money and get myself a lawyer, would I have a chance of winning or am I set for failure?
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