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without all the bs 4 paragraph answers ull get. so u want a long response that says the same thing? ok. it was ur fault... there goes the law part...as a result..there goes ur insurance rates the fact that he was speeding doesnt matter or the fact that his tires were bald(?) or the part about no skid marks. Your insurance will find out and trying to get away with it will only hurt you in the long run. ur insurace should cover some of the costs after a deductible .. if you have one. oh and im sure u will get some neck pain out of the guy, not to worry ins will cover that too. your welcome. and untill you have perfect syntax and speliing (as i can CLEARLY see from your WONDERFULLY CLEAR post) dont correct my abbreviations.
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