<human>: Hi /r/legaladvice. Story time.

Last fall I rented a car from Avis Rent-a-car. I did not sign the LDW, as I have car insurance and I am a generally careful person. Fast forward to when I was driving home on the highway. Several deer ran out into the highway and I (stupidly) veered off and ended up hitting a pylon on the side of the road. I ended up knocking off a mirror and doing some damage to the front end of the car. Since I know how car insurance works and I know I would be paying much more over time to the insurance company, I asked them to send me an estimate for the damages. Fast forward a few months and I receive a bill from Sedgwick (avis collection agency?) for $2,500. I don't have $2,500 and I can't afford for my car insurance to go up, as I am already basically broke (due to other reasons), so that bill has been sitting on the bottom of my bill pile for a few months now. They have not sent anything other than the one bill.

What I want to know is what Avis can do to me, and what they will likely do. Can they call the police? Will they just send me to collections? File a lawsuit? I'm guessing collections, as a lawsuit would be expensive, but I would like to hear other opinions. I would also like to know what my best plan of action would be, as I know ignoring it will probably come back to bite me soon.

Can you condense the text into a few key points?
<bot>: Fucked up a rental, didn't get insurance, don't want to send to my insurance, can't pay $2500 in damages. What do I do, what can they do?