Age 5 my son was bit by a dog, I am sueing the owners insurance. they want to settle at 51,000 help me?

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"I experienced a car accident a couple of months before (my mistake). My insurance provider did not buy the injuries and rejected my state. Fast-forward to nowadays I get yourself a notice declaring that the dude who struck me's insurance carrier are demanding that I pay them 6129 dollars. I really don't have that sort of money im only 22 and that I stay with my parents. If I cant spend them what'll they do if you ask me
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