My insurance is covering their car damages but not their medical bills and now I have a settlement being filed against me and don't have the money to pay it
From your question, it sounds like you were at fault for an accident and you or your representative entered into a settlement or you were assessed damages by a court. Absent consulting with a bankruptcy lawyer, the best approach to resolving obligations is to contact the party or party's attorney who you owe money to and work out some form of payment agreement. If the obligation is from a court judgment against you, I suggest speaking with an attorney or your insurance representative for guidance.
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