in school the other day i was going to subway at lunchtime. i was just leavin when a car in front of me started turning into an intersecting street that leads to the front of my school. she had plaenty of time to make the turn but half way through(and in the midle of my lane) she saw her daughter and stopped. i slammed on my brakes and skidded into her front bumper. the damage wasnt much....got some paint from her license plate and some of the paint on my bumper is gone. There appeared to be no damage to her car. we exchanged insurance and she told me that it was agrred it was her fault, so i thouhgt all was well. however when i got home it turned out she had called my parents and said the accident was my fault and she will have an estimate for them on monday. i told my parents exactly wha t happened and my dad then called her back. She told him that i was in the wrong lane and was speeding and she had swerved to avoid me. i may have been going a little faster than i should have but nothing reckless. My problem is that i am only 17 and if i go through insurance my costs will skyrocket. im guessing the lady knows this and is trying to use this aginst me. the worst part she is the mom of my best friends girlfriend. i dont really no what to do. if she takes it through insurance i can prove she is at fault but my insurance will go up. if u actually read al that i would appreciate some advice.Thanks.