Say you get into a wreck that was your fault and you have no insurance.

The other person's insurance company or attorney or something sends you a letter in the mail saying they claim $0. Then a few months later you receive a new letter saying the they are claiming $9000... Sooo you're being sued for $9000? How does this make sense when they didn't claim anything in the first place? And what happens if you're unemployed and there is no way you can pay that much?