I can't afford an attorney.
Lawsuit / Dispute Attorney
Were you driving a car during the accident? Were you insured? Did your insurance company not assign defense counsel? Did you report the accident to your insurance company?
The answer to the complaint is one of the most important documents in a civil suit for the defense. Because it is so important you should contact the clerk of the court and see if there is a printed set of rules for the format necessary in your court. You simply cannot make a mistake on this document.
Beyond making these observations with what little you have mentioned no further observations are possible.
Good luck to you.
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Car / Auto Accident Lawyer
If you had auto insurance at the time of the accident, contact them immediately and give them a copy of the complaint. If you were driving some elses car, you may be covered under their policy.
If there is absolutely no insurance coverage for you, then you can respond to the complaint on your own. There are numerous sites on-line that can help you with a simple answer. However, you will still have numerous hurdles to cross after the answer is filed. Look at the surrounding law schools as they may have clinical programs where their law students may be able to help you for free.