PAVEMENT WAS WET...CIT WAS DARK ....A CAR SUDDENLY STOPPED IN THE ROADWAY..MY ANTI LOCK BRAKES LOCKED UP CAUSING ME TO SKID INTO THE CAR IN FRONT OF ME..CAUSING REAR DAMAGE TO IT...MY AIRBAG ALSO DID NOT DEPLOY..WAS GOING ABOUT 25MPH..BUT SEEMED TO INCREASE IN SPEED SKIDDING ON THE PAVEMENT IT CAUSED ME TO LOSE MY SAFE DRIVING DISCOUNT ON MY ISTATE FARM INSURANCE...HAD TO PAY A HIGHER PREMIUM FOR 3YRS BECAUSE OF IT..I HAVE RECENTLY GOTTEN MY SAFE DRIVER DISCOUNT BACK CAN GET STATEFARM DOCUMENTATION LATER IF NEEDED