Rear-ended someone need

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?

Have her take the vehicle to three auto-body shops, tell them it's cash-payment (no insurance claim), and choose the cheapest estimate.

You don't have a chance of winning, since the rear end collision was your fault.

This is why you have insurance, they handle the problem. I've more you pay for insurance, the fewer problems you have. Pay for her damage, if she takes you to court, you will lose your @$$ because you read ended her.

Simple, you are at fault for following to close, on top of having a condition with your vehicle, Out of your pocket so to speak.

Pay up NOW, So long as she signs a final settlement agreement.
Mess her about and you can add a zero onto the right hand side of the cost $1500 can easily become $15000

Simply ask to she the other motorist's body shop estimate. What ever it states you should pay. Otherwise, you can indeed look forward to appearing in a court of law in the near future. Should you allow that to happened you could get dinged for an amount much greater. Pay up.

You'll be better off in the long run to just pay her for her damages, or she will take you to small claims court and win anyways. You don't need a lawyer for small claims court.

Pay what she wants. It is much cheaper than dealing with the consequences of driving uninsured.

Good learning experience for you. Drive slower next time and allow more space between you and the car in front of you. Better yet, go sign UP for a "DEFENSIVE DRIVING SCHOOL / CLASS" at least check it out online (youtube it) so you can prevent future accidents from happening. You lucky no one died. Driving is not a necessity, its a privilege and you should always drive defensively, which means you assume that no one will obey the rules or see you or do what they suppose to do. When you assume that and drive with that in mind, this is called defensive driving. This will reduce chances (but not eliminate) of getting into more accidents in the future. Turn your headlights on even if its bright and sunny outside. This reduces chances of accident by 70%.

Lawyers cost 300 and hour minimum. Just saying

For whatever reason, your parents made you an (excluded) driver on their auto policy and when they did, they agreed, that you would never ever, never ever drive their car and (if) so and in an accident, then insurance denies the claim since you are excluded, thus pays zero.

But, for whatever reason you was driving your parents car, you rear ended someone, so there's NO dispute of fault. Your insurance did not talk to you, since they had NO reason, since once they saw the EXCLUSION on your policy, then they automatically sent a denial of NO coverage and closed their file.

But looks like that the other driver did (not) file a claim on their own policy since she has sent you a text of the cost to fix which is $1,500. My guess she did not want to file a claim on her insurance, since she would have to pay her deductible, which I'm guessing is $500, so insurance pays $1,000 and she pays $500. But, then her insurance goes after YOU for $1,500 for what insurance pays and also reimburses her deductible of $500. Since you are (uninsured) then may know that (until) insurance collects ALL of the $1,500, then she will get her $500 back.

Now the $1, 500 could be the right cost to fix her vehicle (or not). Now if she were to file with her insurance company and with a 2015, my guess she has collision coverage, then insurance with their experts will review the estimate and will pay what is owed, no more or no less. Another fun fact you may not be aware of is that if insurance fixes, then most likely will need a rental car while in the shop to get to work and to the grocery store, so that would be another payment you would owe on (top) of the cost to fix.

NO lawyer will take your case, since you have NO defense, since you rear ended someone else, so what can they do, lower it $500, but you would pay if some idiot lawyer took it, my guess $1000 in legal fees. So now it would cost you more, if some lawyer was stupid enough to TAKE your money for NO defense. Lawyers have no education on what it cost to fix something, only what legal options you have, which is doubtful you have none.

So my advice to you is to pay the (full) amount she is claiming, or, force her to file with her insurance company to see (if) in fact it does cost $1,500 to fix. Then if you can't pay the full amount, then most insurance companies (may) set up a payment plan to pay it back in full.

Regardless of what you decide, you now know that you are an excluded driver, so under NO circumstances get behind the wheel again.