<human>: In December, my husband was driving (northern MN so the roads were icy).  The car in front of him slammed on his breaks.  naturally, my husband slammed on his, causing his car to skid across the road landing on the shoulder on the other side.  To avoid him, another car swerved causing a head on collision.  My husband was found to be 85% at fault for this accident therefore holding us financially responsible.  We recieved a letter from the other driver's insurance company stating the amount that was not covered by our insurance that we are expected to pay.  The amount they claim we owe is nearly $6000.  When I spoke with them, the lady said, "I will take 50% and call it good otherwise I will take you to court for the full amount"  When we called to set up payment arrangements the lady said "payment arrangements is not an option, pay us in full today the $3000 or I will have no choice but to take you to court for the full amount and maybe that lawyer will work out payments with you"  this whole thing smells fishy to me..  This is not in default, this is the insurance company trying to collect. What is the best road to take herE?!? any advice is much appreciated!!

Can you provide a brief rundown of the text in within 3 sentences?
<bot>: given the option to pay $3000 in full today or be taken to court for $6000 without the option of payments.