My question involves insurance law for the state of: NY
I was involved in a minor accident with a rental car 7 months earlier. The guy in the car ahead of me was pulling over to the right and as I was about to go past him, he pulled back in the road, resulting in a minor brush on his car. We exchanged contacts, I offered to report this to police, but he said he will think about it and call me if he plans to report this. No report was made, at least to my knowledge.
Later that day I hit the rental car on the side rails of a highway (no other vehicle was involved), which caused some damage to the right side front door. I had taken insurance through the rental agency and that covered for the damage to the rental car.
Since the first guy never contacted me or reported it to police, I left the matter there and moved on. Yesterday, I got a voicemail from the rental car agency saying that the first guy's insurance is after me for subrogation and my rental insurance did not cover damages to third party.
I have no other insurance and I am a student who cannot afford expensive settlements. What should I do now? I am worried that the insurance will try and link the 2 different incidents. I understand that NY is a no fault state, what are my protections in this case? Thanks.