<prompt> Human: Hello! I am definitely in a bind and could use some advice. I am currently 24 and being treated for some moderate mental health issues. During the time of that treatment my insurance on my car lapsed without me realizing it due to the fact I could barely remember how old I was it ate up my memory and time.I drive a 2012 VW beetle and was in a collision with another vehicle I can barely remember. A semi truck blocked both of our views and we collided on the passenger sides of both of our cars. His car sustained a scratch to the hub cap. My car ended up with 5.9k USD worth of damages just to the body. His insurance company contacted me today regarding the payment of 4k USD for his vehicle.I currently live in subsidized housing with a single mother and only work a part time job. I go to college the rest of the time and pay for that out of pocket as well. I have currently payed for the ticket I was issued at the accident as well as insurance to now cover my car that isnt really drivable at the moment.I work for a company that gives me stocks per year of working there and currently only have about 4.3k of the needed almost 10k to deal with basically fixing both cars. What should I do?  <response>: If youre at fault then you owe the money thats all there is to it. Also clearly his car sustained more damage than a scratch to the hub cap especially if your car has 6K in damages. 