Help me please?:
ethically, if your fathers insurance goes up you should pay it. it will probably get reviewed with in six months. however the good news is this is just lifes lessons learned.  you got a ticket for improper passing, no big deal. she got a ticket because she was half to blame at least. lets assume there is a big doctor bill.  you are probably insured on your fathers policy had you been at fault. your friend has the problem and he is totally at fault. he let you use the car.  now if there is a big clain he is not insured because he didn't list you as a separate driver and he might have to pay out of his pocket. this is his problem not yours. i don't see this as an ethical problem for you because you are insured.