How to defend as insurance payor?

Glen JOhn Yep, owner of Tai Shan cafe:
 
1, no anymore Tai Shan cafe. It was sold;
 
2, FArmer insurance deal with it and so why plaintiff did not sue Farmer instead;
 
3, personally I should not be responsible so $1500 is too much;
 
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Prepare to state why $300 is not much for preparing doc. Preparing doc including research owner name, going to county recorder to print the paper after the assessor office, serving twice both in SF and Oakland, several hours of meeting clients and presenting the case in court today  as an interpreter
 

 
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plaintiff: If $1000 is taken, then Farmer may allocate more payment and switch to me because farmer will say that plaintiff now collect $ from the case?
 
mediator: This is between plaintiff and farmer. This case is only plaintiff and defendant. Farmer do not have respresentative here. Will defendant pay more $ for that (it is not fair for defendant to speculate this future happening either)? Up to defendant to decide paying more $$ for that. Of course, if Farmer ask you more, then you bring Farmer to court.