What can I do if I wrecked my girlfriend's car and due to a break-up her mom is now is telling the insurance company that I did not have permission to drive the vehicle?

Question Details: I am a 20 year old college student. I was involved in a rear-end accident that was my fault. I was the only person in the vehicle when the accident occurred. There were no injuries but there was damage to both cars. At the time I did not own a car, nor did I have insurance. The vehicle I was driving was my girlfriend's car that was insured and registered to her parents. About a week after the accident, my girlfriend and I broke up. Angry over the break up, her mom called the cops and her insurance company and claimed that I had did not have her permission to drive the car at the time of the crash. There were no charges filed. However her insurance company, is now refusing to cover the other vehicle damages in the crash, due to their customer saying the vehicle was stolen. I recently received a letter from the insurance company of the other car in the accident demanding $15,000 from me. I don't have that money nor do I have any assets for them to come after. I am worried they will garnish my wages. Should I just ignore the letter?

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