Make sure you send the summons and complaint to your insurance company.Yes you have to respond even if you send a letter to the court and the opposing attorney. If you do not the judgment may be larger than you think.
As mentioned above, notify your insurance company about this matter immediately. As also mentioned above, you need to respond to the complaint within 20 days after you were served with the summons and complaint to avoid having a default entered against you.
If you have an attorney, you should contact him/her about this matter. Your attorney can help ensure that your insurance company does what it's supposed to do in the way of providing you with a defense against these claims.
If you do not have an attorney, you might try The Florida Bar Lawyer Referral Service. This service provides referrals to local attorneys who will conduct an initial one-half hour office consultation for $25. The telephone number for this service is 1-800-342-8011.
You might also try Gulfcoast Legal Services at (813) 490-9412. This organization provides legal aid services in your area.
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Disclaimer: Provision of the foregoing response does not create an attorney-client relationship, does not constitute legal advice, and should not be relied upon because the response is based upon the limited facts provided and it is impossible to meaningfully evaluate any legal problem without a thorough review of the pertinent facts and law which applies to the matter.