First of all, it is important to remember the definition of ambiguous pronoun reference, which refers to the one in which the antecedent is not clear. In this question, the ambiguous pronoun reference is your because it is not clear to whom it refers to: as stated, it whether refers to you or the driver. Due to this, it is the correct answer.
Answer: It would be the driver that drove the car that hit the other cars fualt.
Explanation:
It would be considered no fualt since you did not hit someone the other person hit you therefore the other person is paying for the damages made to your car hence why there insurance rates go up.
