i had insurance at the time of the accident 2 years ago, but now they are suing me. how do I handle this?

Contact the auto insurance company you had two years ago and report the law suit immeditaely (do not wait). If you had bodily injury coverage and not just necessarily porperty damage coverage (e.g. PIP/PD) alone under your insurance policy two years ago, the contract you signed with the auto insurance company when you obtained the insurance should stipulate that they will provide you with counsel to defend against any legal claims for bodily injury and/or property damage such as these. Also, auto insurance companies require by contract that their insured promptly report accidents as a pre-condition under the insurance contract. Failure to do so two years ago may be a problem. Hope this helps and good luck.