What to expect from my first car accident?

Nothing will happen except that your insurance rates may increase. Why not sit back and wait to see what may happen instead of getting all excited about trying to predict the future?

Well, whatever you did to cause this accident, try not to do that in the future. That's what you can expect. You can also expect your insurance policy to either repair or write off your vehicle, but that shouldn't take months. It shouldn't even take weeks, in fact.

As to what will happen to your insurance rates, you're asking a really good question. You're just asking it in the dumbest place possible, since a) only your insurance provider can answer that question and b) this definitely isn't your insurance provider's customer service department. At least it better not be.

If you're under 25 Your insurance will go up A LOT. If you're under 21, your insurance will probably be astronomical. Since we know nothing else about the details we cannot say what will happen with your license or what fines you might have to pay, but in some states new drivers can have their license suspended until they receive additional driving classes and training.

Your rates nay go up.

At renewal you will either lose no claims or not get any

Your insurance company should take care of your repairs and anything for the other driver. Depending on the insurance company and your policy, you may see your rates go up at renewal.