Have a local lawyer try to negotiate a payment plan. You can find one in your city by using Avvo's "find a lawyer" tool. Good luck.
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If you had your own personal policy, it may cover you when driving someone else's vehicle. If not, contact a lawyer to help you out locally.
Randy Sevenish is licensed to practice law in the State of Indiana. The laws of your jurisdiction may differ and thus this answer is for informational and educational purposes only and is not to be considered as legal advice. Since all facts are not addressed in the question, this answer could change depending on other significant and important facts. This answer in no way constitutes an attorney-client relationship. Please speak with a local attorney to discuss your potential legal issue.
Hire an attorney to negotiate a payment plan for you. Payment plans are usually awarded as not many people have lump sums in reserve for these situations.