&$#@ happens!!!

Normally I would drive carefully ..signal check blind spot and stuff. On this particular Friday I think I was fated to get into an accident that would cause me $1600.
It was Friday and I was returning from Friday Prayers to my office. Going overToh Tuck Ave and traveling at only 40km/hr downslope I saw a Taxi stop at amber light. I decided to stop also but somehow didn't break hard enough which was quite rare actually but it happen this time. The car slammed into the rear end of the the bumper of my in-law car cave in. When the dust settles in and insurance company informed, I was told I couldn't claim insurance cos I'm not a 2 year old driver and we gotto fork out the above mentioned amount for the repairs. Man just when I thought I could save money.