I caused a car accident, injuring a pregnant driver, and I’m devastated.

I was stopped at a stop light when my toddler suddenly recognized that we were next to her favorite park and started crying hysterically that we weren't stopping. The light turned green, I accelerated, and I stupidly looked back to calm her down. It happened so fast. I turned back around and saw traffic in front of me had come to a stop. I braked as best I could and swerved to avoid hitting the car in front of me. I wasn't fast enough and hit the back left side of the car in front of me, enough to make it bump the car in front of it, but not cause any damages. My car took the brunt of the damage and ended up totaled but my toddler and I were uninjured. I pulled to the side of the road and got out to check on my crying toddler.

Other people pulled over to help and ended up calling an ambulance for the car I hit. She was 8 months pregnant and would not move her car to the side of the road or get out of the vehicle. The EMTs said she was fine but transported her to the hospital for monitoring and said she was extremely shaken up.

Then I got a call from my insurance saying she had retained a lawyer and I got a warning letter from my insurance that the personal injury claim might exceed my $100k policy. I keep asking if she and the baby are okay and they keep saying they can't reveal private information but that they have no indication of anything serious happening.

I keep worrying she lost her baby or one of them suffered permanent and/or severe injuries. I don't know how fast I was going. I wasn't accelerating for more than a block before the accident happened, so I think less than 20 MPH. However the damages on my car were so scary to look at. Somehow I caused 20k of damages to her 2022 vehicle, even though I only hit her back left corner.

The fact that their injuries exceed my policy worries me so much. Not the money. I am completely prepared to pay anything that they need to make them whole again. But I'm more concerned that the extent of the charges correlates to the extent of the injury and I'm devastated. It may be 2 more years before I learn if she and the baby are OK. As a mom myself I have immense guilt over this. My biggest fear has always been losing my baby and now I'm afraid I may have caused my worst nightmare to happen to someone else. It's been 2 months and every time I pass an ambulance or have to slow down quickly I spiral into picturing the worst case scenario.