You can only get the PD policy limit from the other guy without suit. Then the question is do they have it? You drive a classic you should have had...

My question is, doesn't the Defendant have to serve me with process? Should I send a Reply?

Well if you wish to respond yes. You need an attorney or a quick course in litigation. Get yourself a Fl Rules of Civil Procedure book. And I would...

I was charged with no proof of insurance. Now i have a warrant

Wait to hear back. If bad news go see a ticket attorney. Good luck.

Could someone but arrested for hit and run?

Go see a local ticket attorney. If you don't have insurance deal with the property damages before the court date if possible, or at least have made...

What to do next

I agree with the others. I will say that these days there is little courtesy on the road. Be careful. Good luck.

Without damages you have another story of traveling woe, but no case.

What to do if insurance cannot settle

Your insurance company has a duty to either settle this or defend. I used to be an adjuster and used to settle this stuff everyday. You should...

Best way to find out is to call Geico. They will advise if Rathbone represents them. You might be able to cut a better deal with Geico. Good luck.

What can I do about a landlord, this is a multi-unit apartment bldg. where they invade my privacy

You got two answers. One is clearly better than the other. Attorney Klurfeld has the best one. Good luck.

Being sued for an accident but my insurance an only cover 45k and the person that I got in an accident with has 36k med bills.

Your insurance company will either settle or provide a defense attorney. Either way your company has a duty to settle the claim. You can prod them...