I need some help. What happened: I had a car accident 3 years ago with a taxi (where I hit its behind) and I didn't have car insurance. Police came and took all the details. I never heard from the taxi, but then the taxi driver said he was going back overseas so I thought I’m the luckiest person alive. However, couple of days ago I (out of the blue) got served with a paper that essentially says I need to pay for losses and legal fees. I never got any previous notices and they did not go through an insurer. The paper includes hand-written table re how they came up with the cost, which I cannot follow. It looks like they replaced the car within 10 days of the accident, so loss of income is also charged. The driver and the owner is different so I am not sure who is suing me. The sum is totalling $33,000 – which I don't have. Question.... My initial gut feeling is that there's something weird – why after so many years? what's this hand-written formula? why didn't they contact me previously? Not quote or formal receipt?