I got into a single-car accident with a younger male passenger, resulting in his death. I am 46; he was 41. We were having a quarrel and he asked to get out of the car. I began to slow. Before the car came to a complete stop, he exited the vehicle and fatally injured himself on the shoulder of the road. Conditions were pouring rain. There was no DUI issue. There were no witnesses. There was no damage to the car. Now I find myself facing a lawsuit by his widower father, alleging that my negligence (I'm not sure how I was negligent, but that's what the complaint says) caused his son's death and that I am liable for same. The deceased had no children, was not married, and earned $70K/year. I carried $100K worth of auto insurance at the time. I have few assets outside of an IRA. What is my realistic exposure here?