My question involves insurance law for the state of: PA
My causin was unfortunate to hit a possibly stationary vehicle as she was driving uphill she did not know what as going on on the other side. As she got the top there was a vehicle in my line that was facing her (rotated 180 degrees) she hit the breakes but the road was icy and she hit it in the front.

I know I am possibly screwed, but what I can I do to help the situation?

Is it a good time to look for another insurer?
I have a clear record it was her who had the accident...

Thanks!