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TIFU by hitting a car thinking that was a robbery

Early this month I was getting back home from my GF house, when I stopped at a traffic light, right ahead my dad's car, there's a guy with half his body and a arm inside the car, in my immense Windom, I thought that's was a robbery and hit the guy with the car, it turned out the guy was the husband of the pregnant woman driving the car, police was called and everything and obviously I was at fault, we exchanged contacts and I contacted my insurance, I was honest with the insurance worker, I learned that's is no good to lie in those insurance things, after 20 days, the insurance declined the claim because I purposely hit the guy, now I'm stuck with a 5k usd debt for the repairs on the guy's car, motorcycle and my dad's car with a job that's pay me about a thousand dollars a month, while paying for my apartment and my college loan, F my life...

TL:DR: I hit a guy thinking that's was a robbery, now I have a 5K debt

Edit: just to clarify, this happened at 11:30 PM on one of the most violent parts of Brazil, still that’s no excuse.

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