I was in a minor car accident 3 yrs ago that was my fault. The police were called and a report was filed. At the time the report was filed no one claimed they were hurt, there was only minor damage to our vehicles. My insurance company paid to get his vehicle fixed. Now I’m being sued for emotional damages and loss of wages. Shouldn’t my insurance company handle this? I don’t have alot of money and am just barely scraping by so I can’t afford to pay them and can’t afford a lawyer. What do I do?