My question involves an injury that occurred in the state of: California
I reared ended a guy who ended up hitting the car in front of him last year (August 2012). I was about to get on the freeway ramp when I heard a loud thud in the back seat (I had two bottles of 7-Up on my back seat that fell) and turned my head around to take a look instinctially. By the time I turned my head back around, which was like a split second, I had collided with the car in front. My car insurance had paid out all the car damages and he (the middle car) is now suing me for 1 million dollars in lost wages and emotional damage(?) as of June 2013. First of, my car was totaled. His bumper was dented. The cops were called but no ticket was given. No ambulance was called. Apparently my insurance company had offered $8,000 in compensation and the guy's lawyer didn't even bother with a counter offer. They just went ahead and filed to sue me and my mom (we're both co-owners of the car). My insurance policy is only $25,000 and I just got a letter in the mail from the insurance company that from the evidence he's presenting, it might be more than the coverage. I am so sad and scared. I am currently a student and make no more than $10,000 a year. What's the chances of me losing if we go to court? I actually want to take it to court because I honestly think he's suing for money. What's your take?