/biz/ what do, >be oct 2014 >be 18 >be on brothers

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/biz/ what do,

>be oct 2014
>be 18
>be on brothers insurance
>driving shitty 1998 eclispe gs to work
>Snowed like a mother fucker the day before
>ff to where i need to take my exit and i begin to slow down to normal speed
>hit a patch of black ice and love tap a suv infront of me
>crack my left headlight trying to avoid the collision, left fender slightly rolls into headlight which causes it to crack
>slight crack in the back of the suv, hardly even notice
>damnsorry.jpg
>calling the police and waiting for them in the freezing cold when 6 minutes later, a ricer civic flies up the exit and slams into the back of my car
>he literally threw up his engine bay all over the ground, coolant and shit everywhere
>eclipse had a deep dent in the back bumper which i pop out later on
>eclipse is still drivable so i finish driving it to work
>call brother and tell him what happened.
>have to call insurance company and tell them the story of what happened

>ff to now and i have a 1991 Geo prizm that my brother used to daily drive (scrapped the eclispe (spun a bearing))
>pic related is what i'm paying on average every god damn month
this is ridiculous that i'm paying out the ass for a shit box and the accident was caused by black ice.. any ideas on what do to lower this monstrosity ?