请教老猫，撞车问题

两年多前(July 2012）的事故：我在红灯变换时走神了，撞到前面一辆小车，这辆车没有停住又撞了前面一辆。我的车前盖变形，中间车的后保险杠明显受伤，最前面的车损伤很小。当时三辆车都能开，每个人都能很正常的走路。大家都开到旁边停车场等警察处理。他们都有我的保险信息。直到今年5月才收到我的保险公司一封信，之前没有人跟我联系，以为保险公司都已经搞定。

保险公司的信说, the middle driver has filed a liability claim against your policy as a result of the accident.  We have responded to this by taking the following action(s): Make an offer to settle the bodily injury claim.  Based on our liability decision, we will not pursue collection of any damages you sustained, including your deductible, if applicable. Therefore, we surrender to you our rights to recover your damages.  You may pursue the other party for damages you feel you are entitled. However per the policy agreement under the subrogation rights, we are entitled to any collections or recoveries you receive over the deductible amount you paid.

收到这封信我也没有采取任何行动。可是今天收到法院的civil citation.  保险公司信中所说的那位要告我 赔偿以下几项：A. Reasonable medical care and expensed in the past.  B. Reasonable and necessary medical care and expenses which will in all reasonable probability be incurred in the future. C. Physical pain and suffering in the past.  D. Physical pain and suffering in the future, and E. Loss of earnings in the past.

想请教老猫，我应该采取什么步骤应对，准备什么材料？

谢谢

所有跟帖： 

• 别人要告你，总归要把诉状送到你的手里 -lexm5- ♂ (154 bytes) () 08/11/2014 postreply 18:28:38

• 谢谢你的信息。 -布衣之才- ♂ (0 bytes) () 08/11/2014 postreply 18:42:10