Always best to report the accident to the insurance asap. Allow them to get involved and handle it from the start.

What is the next step after writing a response to a lawsuit that was filed against me from a auto insurance company.

Turn the matter over to your insurance carrier. Tell them you side of the story and they will take it from that point.

How do I defend myself against a car accident law suit if I have no money or assets or any insurance to claim from

You cannot get blood from a stone. No assets, nothing to collect against. If a suit is filed, you may consider bankruptcy as an option.

When I wasn't in a car accident that was my fault in Kentucky I didn't have car insurance. What will happen when I go to court

Kentucky is a no fault state. Why are you headed to court? For lack of insurance? Sued civilly?

I was hit from behind police officer gave me his card with case # but did not give me the other drivers information.

They normally would give you the basic info at the scene. Contact the police station and it will be on the report.

When I'm backing out at a residential area with a sign saying 20 mph next too the residential area, and get hit who's at fault?

You are at fault. You cannot back into traffic without a clear path. They have the right of way. Their speeding is not going to negate your liability.

Who is responsible.

The at fault driver's insurance will cover the damages. You lack of insurance does not impact the issue of fault or liability.

Not really sure based on this minimal info. If you don't like the advice don't take it. If there was malpractice, report the lawyer and sue him...

I would think it may be covered thru a homeowners policy.

Should I obtain an attorney for an incident that occurred involving a car registered to my name ?

Hopefully you reported the car stolen. Turn it over to your insurance with the info you have provided. They should take care of it.