<prompt> Human: In June of last year i was driving home from a 6 week holiday, just before the holiday, my car insurance expired. The clutch in my car had just broken and i had paid for it to be fixed, i wasnt used to driving with the new clutch and the weight of the car in slow moving traffic and i drove straight into the back of a caravan at a very slow speed in an area with heavy traffic.Today i got the letter from the insurance company saying that i owe 12133 to them because the caravan was written off. I think that it is absurd from my limited knowledge of caravans because i only damaged one panel The caravan is fibreglass though and im not sure if this could have damaged the entire structure of the caravan. They have included costs like towing from their house to the auction house that it was sold at which doesnt make sense to me because they managed to tow it from Western Australia to New South Wales with the car with no issues at all. Bottom line is, im 19, im at university and i am poor as all hell. I have no realistic way that i can pay for both my rent and this whilst studying full time. How the hell do i go about dealing with this, Please help.Thanks  <response>: Find a job and remember to pay your insurance premiums. 