My Dads Gf Is Suing Me

Location: Ontario GTA So I 20F, 2 years ago when I was 18 with a g1 I was beginning to practice for my g2. I didn’t know how to drive already let alone have fast reflexes. She allowed me to drive with her in the passenger seat. We were on a residential road in Ontario and we struck a tree. I don’t fully remember what happened but that she screamed as I was making a left turn and probably was about to hit the curb, when she lunged over and pulled the steering wheel which resulted in us hitting the tree on her side. For months after the accident we were dealing with her insurance, including me as I didn’t have any insurance at the time. Something on her end went wrong with insurance, all I know is she lied or something along those lines and insurance didn’t help her with a single penny. The car was totalled. A few months after the accident, she messaged me which I still have these messages. And asked me to lie to insurance to help her out. I refused as I didn’t see how it’d end good on my side. She then continued to accuse me of impaired driving, which was not the case. When police showed up, they questioned me and not one of those pertained to my mental state. They issued me a careless driving ticket, which I dealt with. Now nearing the end of statutes of limitations, June 23 2023 when it happened. She’s suing me. Not sure if it is worth mentioning, but we both work for the same company that my dad owns. She handles the finances and knows how much i make and knows it’s no where near covering my bills alone. It’s effecting my work now, I haven’t been called in. only worked a few hours between 2 days in the last 2 weeks. I’m dealing with finding a new job, new place to live, and this now. I have no assets, no saving and no where near the money she’s asking for. A million dollars. And what I’ve been told since researching and talking to any free resources I can find they are all telling me that the insurance company she’s suing will just put it onto me. What do I have to give her, nothing.

Also at the time of the accident, she was a g2 driver.

Legal aid, legal clinics, and any other assistance I was looking into won’t help me. What do I do? I don’t have any money for a lawyer. At least not right now, I’m doing anything i can to make some money and if anyone has any advice or knows anyone who would take my case and is able to accept a payment plan id greatly appreciate that.