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Other driver's insurance says I caused the crash but I know I didn't — what do I do??

I'm 19 and honestly just feel like the universe is testing me right now. Got rear-ended at an intersection about three weeks ago — I was completely stopped, light was red, and this guy plows into the back of my car. Pretty clear cut, right? Wrong apparently.

His insurance company called me yesterday and the adjuster straight up told me I was the one at fault. Said they have "evidence" to back it up but when I asked what kind of evidence, she got super vague. Wouldn't send me anything in writing, wouldn't explain it further. Just kept repeating that their investigation points to me.

I'll be honest — I don't have my own insurance right now. I know, I know. But the point is HE hit ME. I have a witness who was standing on the corner and saw the whole thing. I also had a passenger in my car.

Now I'm dealing with:

  • A car that may be totaled (waiting to hear)
  • A citation from the responding officer (which feels so unfair)
  • Court coming up in about 6 weeks
  • Zero idea whether to just try to sell the car as-is for quick cash or wait this whole thing out

I really need this car for work. I can't afford a rideshare every day and public transit doesn't reach my job. I feel completely stuck and every time I call for an update on my claim I get the runaround.

Has anyone been through something like this where the other side just... lies? What do I actually do next? Do I get a lawyer? Do I fight the ticket? Do I try to get the "evidence" they claim to have? Help.

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