I have photos of my vehicle and her's. This was a minor accident, she was fine at the scene over 1 year ago. Now I received a letter yesterday that she is suing me for damages/medical bills/suffering/rental cars, etc for $7K. I am in total shock to be quite honest. This was a small scrap on her bumper, my car took the brunt of the impact.
You must immediately call your insurance company and get them the letter you received. Your situation is not uncommon. I suspect that the incident was so minor that you did not call either the police or your insurance company at the time.
If you did not have insurance at the time of the accident, then you may be subject to a FRA -- Financial responsibility Act -- license suspension and vehicle registration forfeiture.
DO NOT IGNORE THE LETTER.
You may well have some defenses to any claims raised against you. Get on the phone ASAP!!!
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