I think what the posters are trying to tell you is that you were following too closely for the driving conditions and so, if it goes to court, you will probably lose and be out lawyer fees as well damages. Take it for what it's worth but if you had been following at a safe distance, you would have been able to avoid the other car and not had to lock up your brakes. In wet conditions, you should have allowed more stopping distance so that is not an excuse. Probably not what you want to hear.
By the way, if you didn't see the disabled car, perhaps she didn't either if the car in front of her managed to avoid it.