My question involves an injury that occurred in the state of: California
My car had gotten stolen and during the time that it had gotten stolen, I purchased a new car. The first day I drove it was to pick up a police report on my other stolen car. While driving home in my new car, I caused an accident which I believe I will be at fault because I changed lanes from a bus only lane into the normal lane. No injuries on either party, but I damaged her front fender, bumper and front light. I had insurance on my other stolen car but it expired a few days before the accident, so I didn't have insurance on my new car. Here are my questions:
1): can the other drivers insurance company sue me for the damages?
2): if so, can they sue me for higher than the cars worth? For example: if the car is worth only 2000, but the damages were 3000, could the insurance company still demand payment for higher than the cars worth?
3): what if I'm unable to pay it? Do insurance companies offer monthly payments or would I just be required to pay her deductible? Could an insurance company reduce the price if I paid it all off upfront?
Im asking all this because her insurance company called me and I missed their call. I don't know what to say to the, or how to proceed. I already know I will be considered at fault due to the circumstance.
Thank you for all your advice and help!