I was in a collision back in July of 2012, my insurance had lapsed, i was hit head on, we exchanged info, they never took my statement or my side of what happened. I had repaired my car on my own since I had no insurance, and I was never contacted 'til now that the other party's insurance claims I was at-fault, they have an law firm coming after me to recover $19,000, what can I do? I have no assets, money, or credit, I just turned 18, graduated high school, barely have enough for me. My insurance didn't want to handle this because they said the auto-payment never went through so we weren't covered.
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