Failure to promptly notify and forward a copy of the Summons and Complaint to your professional liability insurer may result in denial of coverage. (The CRICO policy includes such a clause.) The defendant has only 20 days from the date of receipt to file the appropriate response. Upon notification to the institutional risk manager and professional liability insurance representative, a lawyer will be assigned to respond on behalf of the named insured. Failure to answer a complaint can, also, result in the court ordering a judgment against the defaulting defendant, and awarding damages.