I was driving my father's car to school and got into a car accident. Due to the lack of a witness to prove that the other party was running a red light, I was at fault. My father and I are getting sued (separately) by the other party for negligence. The other party is trying to recover $50,000 from us each! I am worried that my father and I would have to pay out of our pocket, and this is a sum that we cannot afford. I don’t know what to do besides calling my insurance company. I will deeply appreciate any advice. Thank you.