Tleong. I fully understand and comprehend what your situation is. Unfortunately the glaring fact that you followed too closely will eventually nail you...Everything else you stated makes perfect sense and shows how you were concerned for the child etc. However all of that would have been avoided had you followed with proper distance. You would have been able to stop with ample space in between you and the car in front, and there would have been no need for evasive maneuvers.

Having said all that I commend you for your quick thinking and concern for the child. but I fear that if you go through the charades with this thing, it might end up costing you more $$ with little success. GL.