As you are driving without a valid licence you are going to find most people will believe the other drivers version of events. It does sound as though you are inexperienced and made several errors but that's all largely incidental now.
The main thing you need to do is find out if your insurance will cover you despite the licence problem. If not prepare for big expenses. If they wl cover you then let them sort it out.
I'd suggest you have some lessons and drive slower in future with mch more focus on anticipation and spotting hazards before they become unavoidable. I'm not trying to be critical here but you could have been seriously injured in this sort if accident and you need to avoid things like this in future.

the back car seat mirror? or the front drivers mirror? i get confused

so where do you look if you switch the right?'
where do you look when you switch the left?

Driving improvement program?

What is it? A class? How many sessions? How long is it? Is it just an exam? How many questions? How much does it generally cost?

Don't ever lose that "fear", though as you get older, it will just turn into a healthy respect for the damage that can be done with any vehicle. Many kids your age don't have *enough* fear, and that's why they do such reckless things while they drive. Between inexperience and bravado, teens are FOUR times as likely to get into accidents as people 20 and up are. Here are some quick stats: http://www.autos.com/driving-and-safety/...

I can remember not wanting to learn to drive either, though part of the reason was that I knew my parents would then send me on lots of errands to the store, library, etc.--which is exactly what they did. I got my permit on my 16th birthday and got my license only 3 weeks later. I thought that was way too quick, and like you, I was a bit leery of driving in heavy traffic for a while because I didn't *feel* ready. But it wasn't long until I was driving everywhere, including long distances during vacations, and I was soon a confident driver--though never totally losing my respect for what *can* happen.

I have two suggestions for you. First, ask your parents to give you at least 2 or 3 of lessons from a professional driving school. Not cheap, but I found that invaluable. Not only are you dealing with someone who *knows* how to teach driving, but they have a duplicate set of controls (wheel, brakes) so if you do something reeeeeally dumb, the instructor can get you out of danger. My instructor never had to take the wheel, but just the knowledge that he could do that made me less tense.

Second, read about "defensive" driving. I'm sure you've heard the term, and the better you do it, the less likely you are to get into trouble. Here is a really good site to explain it: http://www.roadtripamerica.com/forum/con... . That's a lot of reading, but even if you just read--and take heed of!--the first 20 or so tips, you will be well on your way to being a good driver.

And as was said, large empty parking lots are a good way to learn to steer. Doesn't take long.

And a year from now, you'll look back and wonder why you were so afraid of getting your license.

Disclaimer: there are a few people who should NEVER drive. They simply can't handle the stress, and are doing everyone a favor if they never get behind the wheel. An example would be the mother of a school chum of mine: she was driving on a 2-way highway, and the car behind an approaching car pulled out to pass, which of course placed it temporarily in the mom's lane coming straight at her. She screamed, took her hands off the wheel, and covered her eyes! Luckily her husband was in the passenger seat and grabbed the wheel, keeping the car going straight until the danger was past.

So if you're like my friend's mom, take yourself out of the driver's seat. But I expect you'll be like the vast majority and be a confident, capable driver in a very short time.