Apparently you posted a question and when you settled the matter you erased the question and added what happened. So, those of us who didn't see the question are left wondering what is going on. It's like reading a book and having the ending not fit with the rest of the story.
That's why we have the SWH. Everyone, please add to the SWH without changing the original question.
It sounds like part of your concern is with your rates going up. If this was your first accident they most likely will NOT. I've had several different insurance companies over the years and they've all had a general policy to raise rates only after the third accident.
Your rate will go up if you've changed from having a deductible to no deductible. Did you figure how much the increased rate will total in a year and compared that to the likelihood of having an at fault accident and how much it would cost to pay the deductible? I've found, with many many years of accidents that I'm still ahead money wise having a deductible. If you're a careful driver, not prone to accidents, those you have will more often than not be caused by the other driver, in which case you pay no deductible.
Later: Thank you for your feedback to my post. May I suggest that when you erase the question you're agreeing that you shouldn't have felt the way you felt. I understand the pain caused by those who are insensitive. At the same time, my philosophy is to stand by what I think is right. You do have the right to feel the way you feel and I stand behind you in expressing that belief.
After reading some of the responses I'd like to suggest that perhaps you've erased the question because you did learn some things about the way you were thinking and now do feel ashamed of the way you thought. That's OK. No need to feel shame. Each of us learns from getting feedback from others. It's good to take a different look at what we've experience.
I suggest that you could've said, in your SWH, that you accept the way you feel and now you understand a different way of looking at the situation. That is all that most posters expected; that you could learn from this experience so that you can better affect what you do and the way you feel in the future.
I reread your comment about deductible and now think you're saying you don't have to pay the deductible and not that you're changing to a no deductible policy. Very good!
I'm glad this is working out better for you than you expected. These experiences are painful and we learn from them too. You are a wiser person as the result of this accident.
BTW: I always enjoy your questions an comments. I see you as a caring and thoughtful person.