I was in an auto accident in March of 2008. I had a green light and the person on coming the other direction made a left turn in front of me. I had two witnesses to the accident. I hired an attorney at the time because my insurance had lapsed. In court, the jury awarded me $70 for my out-of-pocket expenses. Now, the other insurance company is sueing me. They have applied to suspend my license and are telling me that I can settle for $11,000. What should I do?