thank you so much for your suggestion.
i apologize for any confusion. i can not use Chinese software.
it is really incredible. like you said, the insurance company should pay for it. that is why i feel so strange that they sued me. the balance was paid by the insurance company before the court notice sent out. they still insisted the court fee before they drop the case.
i do not know how serious it is if i go to court. whether the record will affect my credit history or other aspect. if i pay the fee, whether it means that i admit my fault. what the effect.
i appreciate your effort.