Why am I being sued

Hi my name is IC Morare, I'm writing this complain cause I received a call from a lady in the past few days, she stated that she was calling from a debt collecting company and she is calling on behalf of Santam insurance.

She said she was calling in connection with an accident I was involved in on the 28th of May 2020, after the accident myself and the parties involved went to the police station and completed an accident report, then the other driver took my details and those of the insurance that I was using which was King Price at the time.

My car was not damaged at all and I didn't rush to report the accident to King Price, then after a few days I got a call from Santam telling me that I was to blame for the accident and I should lodge a claim with my insurance, I had no problem doing this cause my insurance was fully paid up and my account was in good standing.

That same day I called King Price to begin the claim process for the other drivers vehicle. I was assist by an black lady and I explained to her that I got a call from Santam insurance saying I should claim on their clients behalf. I also told the lady that my car was not damaged and I didn't want to claim for myself. Then the lady who was assisting me advised me that the insurance of the other driver should lodge a claim on his behalf and it was not my responsibility to do so.

To my surprise 5 months later I'm being sued and getting calls from a debt collecting company even though I had insurance during the accident.

It seems to me I'm a victim of two companies passing the buck, I'm very sure that the recording of the lady who assisted me should be made available to me and everyone involved. I feel I'm certainly not the person who should be blamed for all of this.

What I also don't understand is why Santam is blaming while I'm still waiting for a claim that was lodged by King Price's legal department on my behalf against the person who crashed into my car and which was subsequently written off.

Why didn't Santam lodge a claim against me since they had all my details, which they got from me with no problems.