Can we be sued if the insurance can't cover all the expenses?

In feb my 17 year old son got in a accident, it was his fault. Received a 2 point violation for failure to control and took another driving class as ordered by the court. There was a friend in the car and she was ok but was told to go get checked out anyway. We did everything asked, called claim person and reported the accident. Called claims person recently and the claims person said that she was no longer able to talk to the mom of passenger because she got a attorney. We don't have ANY assets really to speak of and really kinda live paycheck to paycheck ,although we do have a LITTLE (under 6000 total) cash put away in saving account for our teenagers for first year of college book, we were insured for a little over the state mininum . Can we be sued if insurance can't cover all expenses.