Getting Sued

I found out today I was being sued for a car accident that occurred over two years ago. Technically I am not being sued but rather my insurance company is. I find it amazing that after two years later the woman I hit is suddenly having adverse health effects from the accident. Everything is so obscure in a case like this. How much should you be compensated for a headache that you develop two years after an event? Is there some sort of sliding scale of headaches at the insurance companies if your head hurts this much you are entitled to this much. The United States is a funny place because you can basically sue anyone for anything at anytime. My roommate commented that a suit like this one would be laughed at in Canada. I just find it disturbing that people so often abuse our legal system to take full advantage of situations. And the only people that really win are the lawyers who get paid for anything.