Almost 1.5 year ago I got into a car accident. I caused an accident by pulling steering wheel while my friend was driving due to a nervous break down. I didn't file a claim with my insurance company at a time until I got sued by my friend's insurance company to pay for damages which was compensated to my friend by his insurance. So I contacted my insurance company and explained that I caused the accident due to nervous break down. My insurance company denied coverage due to my policy language. I was told since I wasn't operating the car ,my policy indicates "operating"as one of terms of coverage, the accident is not covered under the policy. Since I can't afford a lawyer and I haven't found any lawyer who is willing to offer me a pro bono legal service, I'm going to file a response myself
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