1 - 1 / 2 yrs ago I rear - ended a car , little damage was done . She is not settling with Geico insurance , and served me with Summons papers on Sunday . I have 20 days to respond or it goes into default . Geico said they would give me an attorney free of charge , I have yet to hear from him , I've called twice . Is he going to represent me in court & for filing papers or do I need to hire my own attorney ?