Monday morning on Tuesday wtf

So on my way to my 9 to 5 desk job I got into a car accient!! This is my rant, although I know that we are all guilty of this, yes including me. This beetle is driving in front of me and I notice that the woman is brushing her hair, obviously not paying enough attention to the road. So I notice she is getting close the mini van in front of her and I slow down, I see that she has not slowed down and that she is most likely going to rearend the mini van. I inturn applied hard fast pressure to my breaks and was unable to stop. Trying to strear away fron the accident with out getting into a new one. I was left with three options, 1 avoid them and go into the trafic in the next lane. 2 smash right into the back of the beetle and crush the little car. 3 try to avoid them by sneeking into the small space between the beetle and the bridge gaurd rail... what would you do? I choose to try and avoid them in that little tiny space between the beetle and the mini van. Now thinking that this would be the best possible situation, I ended up clipping the beetle with my right front bumper and also nicking the mini van with the same spot on my car. When we all stopped I looked back and the chick in the beetle was on her cell phone!!! Now here I am sitting the in the middle of the two vehicals that were in the intial accident and the woman in the mini van has no idea that I wasnt the one that hit her. She asks me how fast I was going I said me? She is the one that slammed into you I tried to avoid both of you and came through there....
So here I am at work on the phone with mpi and trying to explain how all of this came to be. It looks as though I will be held at fault for hitting someone or at least having to pay my deductable, when if that beetle would of been off of her phone and not brushing her hair this could of all been avoided.