Do you think this is fair? (my first driving experience)?

LOL That sucks! Don't worry though she'll get over it. I rear ended my first jew on my permit. Just started on the green lite when a kid stepped into the crosswalk and I didn't see the car in front of me stopped. So I just tapped him. When the cop kept asking the guy if he was hurt all he said was "I pray I'm not hurt". He was wanting to sue. The cop put no in the accident report, and about 3 months later we received a letter from a lawyer I was being sued. Folks threw away the letter and never heard anything again. As long as the homeowner doesn't sue you you'll be fine, unless of course they are jewish and try to sue for mental anguish.