Sensimilia, don't worry. She was simply keeping her options open and trying to bluff a bit, I expect, by even mentioning her neck. She's not going to sue you. You're a teenager. Teenagers aren't lucrative sources in civil litigation. Trust me here. Plaintiffs, lawyers, and insurance companies around the globe recognize this fact.

The only risk you're facing is of her making a claim against your insurance company. If, by some million-to-one shot she ever filed a plaintiff's action (lawsuit) in your direction, it'd be against your insurance company. THEY'RE the rich folks.

You'd better keep your fingers crossed that she doesn't call and file a claim or even make a simple report to both your insurance company and her own as an FYI. Be prepared that she might do that, however. That's fairly standard procedure for anyone who's had any sort of incident/accident. They'll then call you and ask you for your version of the story, and it should match hers. Just tell them straight out what happened. It's OK you apologized. You were the one at fault. That's not going to be in dispute. But if she files a claim for any damages to her car or any personal injury damages to her neck, then your insurance company may well raise your premiums and, if that's what your parents have promised, you won't be driving for a while.

Considering that this was a very tiny and minor accident, I doubt she's going to file a claim. I think you should try and chill and not borrow any extra trouble before you're actually facing it.

Did you learn anything out of this? There are three very simple answers to this question. One of them is for you to always keep your eyes on the road. The second is to make sure you stay calm enough after an incident that you don't forget your half of the give-me-your-info procedure. It's much harder to stay calm after actual accidents, too, but even more vital after those. And the third one is simply to get thorough information, including a car license tag, car model/descritpion, two valid phone numbers for the other person, a DL#, and the car's VIN# if it's not on the insurance info. A lot of people only get insurance info and then find out it's fake or not traceable to the driver, who might also be a fake or in a stolen car. Get the car description/tag/VIN, the driver's personal info, and the insurance information.