Frustrated

I really wish I didn't have to resort to this, but I am truly desperate. I have emailed countless times regarding a third party claim for which I am now being sued because my insurance didn't pay out. I am being summoned to court and I simply do not have the money to hire a lawyer or pay the damages out of my pocket. Qcs together with pineapple insurance have been less than compliant. Why do I even pay exorbitant amount of money every month for insurance if this is the kind of thing I have to deal with?