Answered on Aug 01st, 2011 at 12:27 PM
If you had auto insurance at the time, you need to let them handle it for you. Otherwise, you can either defend yourself or hire an attorney. Either way, you can choose to settle with her or not. If not, the worst thing that happens is she files a lawsuit. If she does, and yes she can win since the accident was your fault, you need to show up in court and make her prove her damages. The worst thing you can do is ignore her suit, thus allowing her to take a default judgment against you for basically any amount she wants, since you did not contest any of her claims. Your ability or lack of ability to pay a judgment will not be a factor in her suit, but it will come into play if and when she attempts to collect money from you after she obtains a judgment.