...it wasn't my fault

Well, I love getting this kind of phone call, "Mom, I'm alright, nobody's hurt, it wasn't my fault but - I ran into the curb and popped the two tires on the passenger side of the car ("were you using your phone?" "NO" [this turns out to be not quite true] - I learn the truth because her 2 brothers were along for the ride.); I hit a monster truck but the truck didn't even have a scratch and your van door still opens; I didn't wake you up (because it was 4 flippin' o'clock in the morning and you would have skewered me) but I hit a cow, it was an angus and it was so dark I didn't see it standing in the road; I didn't get a ticket but I hydroplaned into the back of a car and you were right I needed to leave earlier, oh yeah, it was a brand new Corvette and the recent phone call of "Mom, I'm alright but I was on 75 and Wagner Ford ("Do NOT travel on that section of 75 because there is too much construction, too many drivers driving hell-bent for destruction, and there are too many police, her mother said".) and I kind of ricocheted back and forth across 3 lanes of traffic and I think my car is totalled(why didn't we get the gap insurance for the loan?") and the guy that cut me off took off and didn't stop. Thankfully, I'm used to this sort of call from my dear daughter who seems committed to the idea that no car in our home should be dent free.
Don't get me wrong, I'm really, really glad it wasn't worse but I'm 50 years old and I've been in 1 fender bender, 1 (I may have a lead foot but I do not crash into things). I'm very grateful to the people who stopped and helped her and the wonderful good Samaritan who followed the car and got the license plate information for her and called it in with a statement too.
But I'm worried that like a cat, daughter, is using up the nine lives. I hope they can fix her car because a new car is just an accident waiting to happen!