You can reject the Answer that was served based on it being late; you can make the default motion; and most likely the motion will be denied and...

You can make an application to the Court to vacate the default depending on when it was entered. If this is something for which you have insurance...

Sorry to heat about your accident and the resulting injuries. Like the other attorneys who responded, I'd advise that you consult with an attorney...

Do I need a lawyer for small claims court?

In NY, you do not need a lawyer to defend a small claims action in Court, however you may hire an attorney to defend the action if you so choose. ...