Liability-Homeowners?

A year and a half ago a friend of mine was hurt on our property we turned everything into our homeowners insurance. Today, my husband and I were sent letters from her attorney stating that she was suing us for 25,000.00. Is she trying to personally come at us for the funds or is this just a step that she needed to take in order for our insurance company to pay? Of course we receive this on a Saturday and I cannot contact our insurance company until Monday. I am 32 weeks pregnant and on the verge or a severe anxiety attack!!! Please help!!! Thanks!!!

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