Oil trail from cracked pan caused an accident..

[Herr Faust Schinken]

yeah you are sorta liable sorry bro, you were the one that decided to lower your car and that means its your fault that your car clipped something on the road, nobody else caused you to break your pan only you. hopefully the woman is ok, technically you aren't responsible for her falling down, because she should have avoided the road hazard that you caused, but it can be still pinned on you if i where you i would call her and get an agreement to fix her bike and maybe she wont make you pay for medical stuff

[blunttech]

Its not illegal to lower your car. And nobody caused you to crack your pan. I would contact insurance and explain you hit something that damaged your pan and caused this poor woman to crash . Its nothing intentional. It was an accident

[jdirty]

I got into an accident earlier when my oil pan hit the rail road crossing. A car was right behind me and i didn't have enough time to slow down. Didn't think much off it until i saw smoke in my rear view mirror. At this point i already had a bad feeling that it was my oil pan. Sure enough it was and i coasted my car to a nearby parking lot. A few minutes later, I was approached by a gentleman asking if it was my car that left a trail of oil. Unknowingly, I said yes since it was quite obvious that my car left a direct trail of oil as i coasted it. I found out that somebody slipped on their scooter. Feeling guilty I approached the woman and saw that she had road rash on her palms and grazed the side of her scooter. I really feel bad but at the same time I don't want to be fucked over by my insurance if this incident will affect it. Of course i wasn't able to get the plate of the person tailing me earlier who i feel caused me to smash my pan. Legal wise, I feel like i might be the one liable. Am i correct in assuming that since my car is 'lowered'? I think i only have liability on my insurance. I'm just still a bit hesitant in contacting my insurance about this If i can just work something out with the woman who got involved. I gave her my name and number and left since i was late for work and had a coworker pick me up. Also my car is still a sitting duck for 8 hours with a trail of oil leading to it.

I guess my question is what would you guys do?