1) Call insurance. If they are willing to help--great. It's worth a call either way.

2) Call the court clerk and see if summons is permitted by U.S. Mail. Most times a summons to start a lawsuit must be served in person--unless there is a court rule or court order that permits other methods of service. Don't make their job easier by replying on an improperly-served complaint. Be very careful before you consent to the jurisdiction of an out-of-state court.

3) Get a consultation with an attorney. You would be surprised how many attorneys give free consultations. The information and advice you receive will help you know how to proceed next, whether or not you end up hiring the attorney.