Can my auto insurance company sue me for an accident if they dropped my coverage before the date of the accident?

Question Details: My boyfriend drove my car and had an accident. He does not have insurance and he is not on mine. My insurance company dropped me a year before the accident and sent me back all of my premiums that I paid. They then turned around and sued me for what they paid out for that accident. Then they sent me a settlement letter which says I was not covered, they would pay the people state minimum liability and dismiss everything else and I would have to pay them $6,000. Should I admit that I did not have insurance? Will I then have insurance surcharges? Why am I paying them $6000? If they claim that I wasn't covered why are they asking me for anything?

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