<prompt> Human: I was in a bad accident involving three cars awhile back and the driver at fault had no insurance so the insurance companies pinned me at fault because fault couldnt be proven one way or the other allegedly. One of the insurance companies settled with my insurance but is coming after me for nearly 5000 that my insurance policy did not cover, which I had full coverage at the time. Thats more money than Ive ever had at any one time and itll take me absolutely years to pay this off, not to mention Im already close to 10,000 in debt. Im seriously considering bankruptcy, but I dont know if thats an option or anything much else about it. Theres absolutely no way I can pay this off without having my financial situation absolutely devastated. I still dont even have a car at this point after the accident.Do I have any options?  <response>: Tell them to fuck off. Your insurance company still has an obligation to defend you in court regardless of the policy limit being tendered, so if they want to litigate a protracted battle for 5k, let them. They wont though because it would cost them too much, and cost you 0 since your insurance will do the lifting. 