I WAS TRYING TO SLOW DOWN ON A STREET GOING TOWARDS GRAND AVENUE TO MAKE A STOP, WHEN MY BRAKES WOULD NOT SLOW DOWN. I LOOKED DOWN TO SEE WHY THEY WEREN'T WORKING AND WHEN I LOOKED BACK UP I WAS OUT INTO THE STREET AND GOT HIT ON THE DRIVERS SIDE BY A CEMENT TRUCK . I WAS PUT AT FAULT AND MY VEHICLE WAS TOTALED. NOW OUR INSURANCE IS GOING TO RISE SIGNIFICANTLY AND I HAVE AN ACCIDENT ON MY RECORD EVEN WHEN IT WAS NOT INTENTIONALLY MY FAULT.