I was determined to be at fault in the auto accident and the injured party refused the liability insurance and now they want to go to trial. My insurance company did thier best according to them to settle, but it was rejected. I work full time, have excellent credit, I also have a mortgage on a house. They are claiming $500,000 in damages. What do I do? I cannot afford a trial, will I lose everything I worked so hard for all my life?