I can’t find a partner to answer my question on this. I’m in CO, which is not a direct action state. The plaintiff served the insurance company but not the driver, who will be our client. I can’t get in touch with her to accept service on her behalf. Do I need to file an answer by the 21 days since the insurance company was served??

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Who do you represent? You don’t need to file an answer for a party that hasn’t been served, so if the driver hasn’t been served, they don’t need to respond.

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Yeah, if you only represent the insured, then you can’t answer on her behalf without talking to her first.

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