Tapped someone's bumper 1.5 years ago... being sued for 116k

[Mephistopheles Janx]

I was among a pack of vehicles that started moving and suddenly stopped. I didn't stop in time. No damage to her vehicle and slight damage to mine.

FF 1.5 years later, I get a letter form my insurance telling me that I may be on the hook for everything over the 100k personal injury limit. I hit this person in their shitty 3k car at no more than 5-10mph and they got medical bills exceeding my ****ing surgery for a tumor in my leg.

I ****ing hate people. Especially hate scammers.