OK, this is exactly what happened:
We were in a church parking lot (thought I would be safe, apparently not). She wanted to learn how to drive stick, so regretedly I said yes. She did EXTREMELY well........AT FIRST. didnt stall it once. I said for her to pull it into a spot and turn 'er off and Ill drive home. [we are moving in 1st gear at about 10 mph in the lot. The spot she wanted to turn into is on our left. NO CARS IN THE WHOLE PARKING LOT and she picked the only spot with a 100 ft tree in front of it.] So she makes the turn, I say "foot on clutch, foot on brake. She does, RPM goes down, car slows. Her shoe slipps hits the gas, she freaks out and pops the clutch. Mind you its in 1st and were going no more than 3 or 4 MPH. It of course jumps the curb and smashes into the tree, airbags come out and all.
As far as insurance, Illinois is a at-fault state, but the twist is that the insurance follows the car, NOT THE DRIVER! Her insurance company refuses to pay any damages, so I have ti go through mine. I have State Farm and FULL Coverage. My rate goes up primarily because State Farm has to go to court with Farmers Insurance to get the money for the car. Insurance companies suck.
As far as her and her parents, they offered to pay my deductable and possibly pay the first year of my difference in my premium for insurance, thats a good thing, but still, I'll be paying for that mistake until I'm 25, SCREW ILLINOIS. I WANT MY SNAKE BACK DAMNIT!