Dispute of Liability and Compensation Claim in Traffic Collision with Outsurance Insured Driver

A driver who was attempting to stop traffic during peak hours collided with the front left passenger door of my vehicle. The driver was insured by Outsurance, while I did not have insurance coverage. When I sought to file a claim, the Outsurance consultant reversed the situation, claiming that I owed compensation for damages to their client, stating that I was responsible for the collision. I believe this approach was taken because I lacked insurance coverage and had no means to contest their claim.