After a fatal collision, the Cohens sent Progressive a $25,000 policy-limits settlement demand two days after their uninsured-motorist carrier, Travelers, answered the tort suit, but before the driver answered. Progressive argued that OCGA § 9-11-67.1 governed the demand because the tort defendant had not yet answered. The Court of Appeals held that “an answer” in the statute means any answer, including Travelers’ filing, so the statutory pre-answer demand rules no longer applied. It reversed the declaratory judgment for Progressive.