Limbo, first let me state that I think I speak for us all by saying that we are thankful that you and your friends are OK. It looks like someone was definitely on your side when that happened.
Now here comes the part you won't want to hear, but like it or not all you can do is take in what we have to say and learn from your experience.
You ask us not to criticize your driving, so I'm going to criticize your logic instead. First off, it *IS* your fault whether you think so or not. Using your very own statement, "it had nothing to do with my age or my speed" I should then ask what you think DID have to do with it then? Was it the other driver's fault? I'm kind of doubting that. Was the pavement especially slippery? Well, that is where age and experience does come in. You already mention doing 5mph above the posted turn speed limit when this happened (we could argue all day long whether you were doing more than that or not)... but regardless it was still over the limit.. and that is, of course where speed comes in.
So, really, the fact is that your age AND speed had EVERYTHING to do with your accident.
Now I know you're upset that you've been involved in this kind of an incident, and it's very easily to get angry and defensive when in this position, but once you relax and calm down please look back at this thread and learn as much as you can from it all, after all the most important thing is that you and your friends are O.K. so from this point on all you can do is gain experience and learn from it. It's great that you were wearing your seatbelt, but don't ever forget that if people were to change their driving habits and were to take in the experience to learn how to avoid these kinds of things in the first place, well that would save more lives than wearing seatbelts ever could.
In the mean time perhaps you might want to consider some sort of defensive driving course? Might save you a lot on insurance premiums as well...
