got into an accident with my friend's BMW 330ci. Since I was driving her car and the cause of the accident was due to an animal in the middle of the road. (the car in front of me braked hard and I would not stop on time and caused me to rear-ended the vehicle in front) How would this influence my insurance rate? The police officer took my license, but did not issue me with a ticket. Are they going to report to my insurance company?