I had a minor car accident more than a year ago. My car slipped on ice turned and as it came to a stop another car on the highway came to a stop and I barely even hit that car. There was a small scratch on the passenger side door and my car was fine. The cops were called, police report filed and soon my insurance agent called me to tell me that that lady was asking for damages for car and injury. According to her there were tons of things wrong with the car -leaks, dents, etc and neck, head, back, butt any injury you can think of. Insurance agent came took pictures and settled the claim paying her less than $400 for car damage none for "injury". Now I get this letter saying that I am summoned to court and I have 20 days to 'serve upon the plaintiff's attorney an answer to the complaint' and pay in excess of $50,000. Basically she is taking me to court and I have no idea what to do. I'm a student and I have no idea where that 50K is going to come from. I guess this is a country where people sue each other for every possible thing you can think of but now what am I to do? The letter is dated March 4 and I just got it, and I have to do something within 20 days. Any advice would be appreciated.