The fact that they have not answered at this point says nothing about your opponent because the insurance company apparently didn't know that she had been served. Now that the insurance company is aware of the suit, it will hire an attorney to defend its insured. Once you know who the law firm representing the lady, your lawyer should be able to tell you their reputation for handling matters.
Their insurance company will ask for an extension, it will be granted and they will answer. Get an attorney if you don't already have one.
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That the defendant is at fault, at this pint, is merely your concluion. There could be a number of reasons. But that is not relevant to your situation. Your concern is obtaining fuds to pay for your damages. Depending on the defendant's finincial situation, which includes her insurance agreement. A lack of notice by her to her carrier may result in a denial of coverage. You may not collect.
From your post, I would guess that 1) you are not represented and 2) are appluying the rules a bit more narrowly than a court would [meaning tht there are frequently excetions and loopholes]. You are going to need an attorney.
The above is not intended as legal advice. The response does not constitute the creation of an attorney client relationship as this forum does not provide for a confidential communication.