I was driving to the VW dealership to get some warranty work done... cooling fan and immobilizer codes were found in the history while getting my 80k service done this past Saturday. I was less than 50 yards from the dealership, stopped in the left lane waiting for someone to turn, two cars ahead of me. Then a 17 year old girl hits the back of my car! She said she "looked down for just a second". I thought she was texting or something but she didn't have a phone on her; I had to let her borrow mine to call her parents and her insurance company. I managed to just barely not hit the car in front of me, full ABS. I've never been in an accident before so I have no idea how fast she was going, it couldn't have been crazy but it was at least 10-20ish. Alot more force than those 5mph crash simulator cart things the police bring to schools. I think she was braking, her nose went underneath me so the damage doesn't seem to be too bad right now. The rear bumper's shot and I have a bit of a dent in the spare tire well that has me concerned. Her car on the other hand is probably totaled. It was an old 2000 Mercury Sable... Front end is shot, her passenger airbag deployed while her driver's side did not (she was driving alone), airbag shattered her windshield, and she was leaking oil pretty bad. She has full insurance with Allstate so I don't think I'll have any trouble there (the cop even said so). It was my first accident so I was kinda in shock at first... Like an idiot I put the claim in through my own insurance, but she talked with them as well and gave them her info, my insurance (AAA) will be contacting hers. I think I'll have to pay my deductible ($500) and as soon as her insurance claims liability I'll get refunded. Anyone with experience on that? The Jetta held up well, and all being said I guess it could have been worse for me.