<prompt> Human: A few months ago I got in a road accident and managed to hit a homeowners mailbox, this resulted in me receiving a letter in the mail from the homeowners insurance company demanding 3,584.91 paid for in the next 7 days. Im 19 years old, no insurance, no savings, I live with my parents and Id more likely be kicked out and forced to live on the streets if they found out about this, I work casually at McDonalds and Ive applied for government benefits but arent receiving anything at the moment. I honestly dont know what to do and Im freaking out, please help.  <response>: Sounds like you need more income.You can write to the insurance company and explain that you dont have any money, and you need a payment plan or something.What sort of mailbox costs 3584.91?What sort of road accident was this? If you were driving, you should have been insured for liability claims. 