I was in an accident with another car. No police were called, and we just exchanged information. Once I realized that my insurance had lapsed, I told the other driver and we agreed I'd get new insurance immediately and say the accident happened on a different day. I did that and reported it to my insurance, and guess what? The guy had a LAWYER call me... so long story short. He played me and now I'm getting sued for like 15000 dollars. I know the insurance thing was a bad idea, but I retracted my statement with my insurance, and I'm in the clear with them.. but NOW I'm in trouble legally with this lawsuit. So they are suing me for 5800 for the car being totalled, 3000 in rental costs, 2000 in the wife's medical costs (who wasn't hurt at all), and I don't even know where the rest of the 15K iscoming from. Anyway, their lawyer is trying to fast talk me into settling out of court for 10500. What should I do?? I want to get a lawyer and go to court, but won't I automatically lose because I was unsinsured? Also, besides his passenger (wife) there were no witnesses and the police were not called. I'm sure they filed a report later though. Help!! I can't afford 10500, but why go to court if I am going to automatically lose? I'm in Calfornia. Please advise...

Thanks!!