No insurance car accident, wasn't my fault, other insurance company demands payment. What can I do?
Hello, I need some advice. About 5 months ago, I was in a car accident where I had borrowed my brother's car to run a quick errand. I was not covered on the insurance for the vehicle. I was in a parking lot going straight about 15mph and another car from a feeder lane made a quick left turn (there was a stop sign for her) without paying attention and there was a collision. As far as I can tell, in this type of collision (left turn into a thoroughfare from a feeder) fault lies 100% with the other driver (as far as insurance goes). Today, I received a letter from a collection agency representing the other driver's insurance company demanding $10,000 in damages for repairs. They claim that the facts state that as a result of MY negligence I am responsible for the damages incurred. I cannot afford this. I don't know what to do. How is this my fault? Don't isurance companies follow specific fault determination rules? Any advice is appreciated. Thank you. I know I shouldn't have been driving that car. Only helpful answers please.

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