florida; i rear ended someone at a stop light. There was no property damage and, at the time, noone was hurt. The drive of the other car took my phone #. The next day, I got a call from the other driver's ins. co. The very old woman passenger went to the hosp. that morning and has a fractured sturnum. Probably caused by the seat belt & her fragility due to her age. The other ins. co. adjuster even said that if it was someone younger, there probably would not have been an injury. A week later, I got a phone call from an attorney representing the passenger. He wanted my ins. co. name. My ins. is only 25,000/50,000. Can they come after me directly? Do I need to get my own attorney or just wait and see what happens? I have very few assets of my own. What can happen?