Turn this over to your insurance company because you should have been covered by your parent's insurance, and let them defend you.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
You are going to be held to the same standard as an adult. You need to turn the demand over to your insurance company right away. If you dis not have insurance on the car, call a lawyer NOW.
This is a summary based on incomplete facts. You should not rely on it as legal advise. No attorney-client relationship is intended to be formed. You may call me 772-562-4570; email me firstname.lastname@example.org, or visit my website http://www.millerlawoffices.us
Is the car in your name, or is it owned by your parents or someone else? You need to be aware that if you were driving a car that is owned by your parents, they will be legally responsible for the damages as the owner of the vehicle. Regardless of whose car it is, it is important that you immediately report the accident if you haven't already and tell them about the demand that has been made. If you don't, it could affect the availability of coverage later.