No one killed. And wasn't going more than I think 75 or so. The only thing I murdered was the guard rail. And my car.
You're going to get paid out and a point put in your record. They'll probably ask how it happen and you'll have to come up with a story, but if they're paying off your car or fixing it... you're at 100% fault for crashing into the guard rail and you're going to get 1 point on your record no doubt. I hit a mountain when I was a kid in my first car and that's what happen.