Ok, this is an easy one. Just file it away for the next time you find yourself in this situation.
IF... you rear-end someone.
DO NOT get out of your car and start explaining what it was that was taking your attention away from the road.
NO ONE BLOODY CARES.
Instead, be apologetic and start offering money.
(Since I know you'll ask... the Santa Fe takes a licking and keeps on ticking. A quarter-inch scratch is all you'll see from the jackhole in the Cherokee who drove faster than us at one point coming up to the Festival of Lights.)