<human>: Yesterday after having my license for about a year and two months I was in my first car accident. I rear ended a lady after my foot slipped off the brake due to a chunk of snow still stuck to the bottom of my shoe. I am insured, I put in the accident report that my foot had slipped and by the time I could recover it was too late and impact was made. Her back bumper was pretty smashed in while the grill of my car was damaged, my hood was crunched up a bit and my drivers side door won't open more than 4 inches. 

The officer told me that I can waive the citation since no one was injured. My question is basically what are the pros and cons of waiving the ticket versus going to the court date? Is there anything else I should be thinking about? Is there any action the woman could take against me? My grandfather is helping deal with all of my insurance stuff but I can get very paranoid and neurotic and thought this sub would help with clearing up a lot of the stuff I've been worrying about.

Give me a shortened version of the text
<bot>: First accident, I'm at fault and no one is hurt. I'm insured but really paranoid, tell me what to worry about.