Car accident, insuranced car with non-covered driver, other driver injured, suing...
I got into a car accident in a intersection with stop sign on my side. I stopped at the stop sign, checked left and right and then tried to pass the avenue but unluckily got hit by another female driver.
My car (my girlfriend's actually) turned 180 degrees the opposite side after the accident. I assume she was coming so fast. That happened 2 days ago and my girlfriend's car has totaled.I was OK after the accident but another driver,this is what she told me on the phone, she said she hit her arm to the wind shield and got surgery and she also said that she needs second surgery to get glasses out from her arm. Last thing she said was "i'm going to sue you".
My girlfriend has an insurance but that doesn't cover me(it means my name was not under the drivers list). On the other side, the policy
Number that she gave to the Police officer was a canceled insurance.when I called her and say that she doesn't have a valid insurance, she said that's not the right information and she gave me another company name with different policy number. But in police traffic collision report, her insurance policy number seems it was canceled.
She says she is going to sue me but
How can I know whether she arranged a new insurance from one of her close friend or relatives right after the accident or not ?
How can I know she was in speed limit ?
How can I know she was wearing seat belt ?
If everything goes bad after the court process and they plead me guilty in the case, since I'm an international student here, and I don't have any income. How are they going to charge money from me?
Everyone says I should have gone to the hospital just to imitate that it was bad. So it makes everything easier for me to deal with the situation. Is that true?
I was honest and I said I'm fine. I stopped at the stop sign. But this started to seem pretty scary finance wise.
What am I supposed to do?