The OP is in the United States, likely not in Louisiana, and being sued in a federal court. I am answering to OP.
That said, if the jurisdiction is different, I am still sure that an hour of talking to a lawyer (who can explain the laws and if legal fees would be covered) would still cost less than losing.
Please notice how my comment also says that if there is difference between my advice and what a lawyer says, take the lawyer's advice.
Please don't make a blanket statement like this. It's true in some countries, but not everywhere in all situations.