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MY New 18 stepdaughter borrowed my car and it was in an accident! How do I cope ?

Having a flicker of OMG freaking out— what’s going to happen to my insurance now ???? So that’s two questions. But I’m more curious as to how to talk with her, to what degree do I hold her financially accountable?
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Hope 1st accident and you have 'accident forgiveness'. Did she have permission?
Mindful · 56-60, F
She had permission . @VeronicaJane
@Mindful the next thing is hopefully she is ok and the other not hurt.
Mindful · 56-60, F
@VeronicaJane everyone is on a okay,

TY
@Mindful thats vreat everyone is ok.

Have the police figured out yet who is at fault?