another accident

[RAGE_5.0]

I was on my way home from worjk with a load of pointsettias in the back seat. My mom had been bugging me to bring some home for the last week( i work in a flower greenhouse). i turned a corner and a few of the many ponitsettias fell over. I went to pick them up and wehn i turned around i was heading towards a tree and a firehydrant. I managaed to miss the hydrant put clipped the tree. The front end is completely fucked. The passenger side door won't open because the fendser is all crumpled and pushed into it. hood is all bent up. front bumper is pushed over and no paint left on the passenger side and its all bent. The drivers side fender is bent and the windshield is cracked. Both the headlights and 1 of the foglights are junk fan is in the shroud. and the ball joint snapped
I am pissed off that i was that stupid and i got lucky because the cop dropped it from careless driving(6 points $350)
to fialure to stay in lane (2 points $110)
I was goin 20-30 kmh when it happend and wasn't being stupid(tire spinning wise) plus my mom knew the cop. The ppl's whos tree i hit were really nice and invited me in to use their phone and asked whether i wanted to wait inside but i declined.
I feel so stupid

Live and learn i guess

i am not going through insurance because it will go sky high so i hope its no more then 1500-2000(keep the fingers crossed) i am going to get the fenders out a junk yard and maybe the hood also depending on the cash flow

JAMES