I got hit yesterday too, but unlike you, I was driving my beater, a 2000 Passat.

I pulled into a parking spot at a local Dunkin Donuts. Before I could even get out of my car, I felt a nudge. The driver next to me, while backing out of her spot, turned her steering wheel full right. That caused her nose to swing too far my way and she left a 2 foot by 6 inch crease in my right front door with her front bumper.

The reason I'm sharing this with you is because there is a similarity. The young woman that hit me was 18 years old. She didn't mean to wreck my door, she just didn't have the driving experience to know that you should keep an eye on the front of your car while backing and turning. I did the same exact thing when I was 18, only the damage was limited to my car as my nose caught the corner of a big steel bumper on a pickup truck. Crunched the corner of my nose and left a little paint on his bumper.

Anyway, my point is, younger drivers just don't have that much experience. Therefore, there is a much higher likelihood that they will make mistakes. Taking that car to a school, full of 16-19 year old drivers, is almost asking for trouble.

What happens to you sucks. I would be pretty bummed. But if I were you I would call the police, start a report, and call the insurance company. Your rates should not be affected, but they may be.