So, I wasn't paying attention briefly and didn't see a huge snowbank that was in the middle of the road, and I hit it. It was my moms car. She is not pleased. But, the plastic thing under the bumper came off along with a little piece of her bumper. and it leaked all the wiper fluid because the hose got disconnected (i think, that's just from me looking at it, and i don't really know what i'm talking about with cars). Lord knows what else is wrong with it that I can't see. I told her and she told me not to worry, but I know i'm obviously going to have to pay for this. How much is it going to cost? Does insurance cover this type of thing??