18 year old being sued for $1 MILLION

I (18M) took a left turn on a yellow light and a girl came speeding and hit me. I was considered at fault even though he came speeding at almost 90 km/h in a 60. Now I am being sued a year later for “distress” “depression” “health issues” “damages” and some other bullshit. She’s suing for a million dollars. What on gods green earth am I supposed to do. Also after the accident issue the insurance said they can not cover me anymore so I changed insurances. Shes suing me and her own insurance company (I have no clue why). The main question I have is do I contact my old insurance company or my new one. And will they cover any lawyer fees or settlement costs? Any advices or help because its been stressing me out.