got into an accident with the c55..
For more info on computing a safe following distance:
Click here
Use your insurance.
Learn a lesson.
Don't follow too closely.
Pay attention.
And I'll add this one: Rapid Eye Movement.
When you are going though an intersection, changing lanes, merging into traffic, travelling down a road with high likelihood of animals or kids or pedestrians suddenly coming out onto the raod in front of you - you have to use more rapid eye movement and scan repeatedly and quickly the entire area that you are (or should be) concerned with, quickly scanning or checking back and forth to make sure that you are able to see something as quickly as it may appear. Anytime you are in one of these situations, if your eyes are fixed on one thing or one spot for more than a second or two - you're not utilizing Rapid Eye Movement - an object has enough time to come into (or stop in) your vehicle's path...which can get you in trouble.
I am glad for you that you now have an opportunity to learn from this occurrance. Although unpleasant, it sure beats the heck out of the unpleasantness of a serious injury accident or resultant fatality....
Dude...its a new car...does it already stink that bad in there?
When you are going though an intersection, changing lanes, merging into traffic, travelling down a road with high likelihood of animals or kids or pedestrians suddenly coming out onto the raod in front of you - you have to use more rapid eye movement and scan repeatedly and quickly the entire area that you are (or should be) concerned with, quickly scanning or checking back and forth to make sure that you are able to see something as quickly as it may appear. Anytime you are in one of these situations, if your eyes are fixed on one thing or one spot for more than a second or two - you're not utilizing Rapid Eye Movement - an object has enough time to come into (or stop in) your vehicle's path...which can get you in trouble.

Anyhow, you rate usually doesn't drop that drastically after the 5 year mark when your accident clears I know in my state(NY). You need to switch another insurance company to benefit and do the usual Drivers Defense Course and have a clear record for the 5 years and also be insured consistantly for the 5 years.
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