I skipped through most this thread...
went around a corner at 40 mph dumb yes but shouldnt have caused a crash but some jackoff came around the otherway goin faster and in my lane i chose to hit the guard rail instead of him still dk who it was he never stopped.
A car heavy with three friends in it would need to be going an arseton faster than 40mph (you're claimed initital speed) to clear a 20ft hard bank (and I'm assuming this bank was "soft" too...) AND get air.... O.o Also going that fast you would of had time to of slowed down to less than 30 or 25 before exiting the pavement and hitting the bank, assuming you weren't accelerating through the turn, which unless it was a steep uphill grade you shouldn't of been doing with a car full of people... ok, I'll stop acting like your dad now.
You're young and will soon learn it often takes two idiots if not one for an accident to happen, even to one car. Nothing you can do about it except not be an idiot and anticipate everyone else as one, toejam happens, and a lot on the road.