(((Amy))) Yes it makes sense that the driver would sue the insurance company and not actually your Dad in person.

I guess it would be terrible for the poor man - I mean as drivers we can all imagine the horror of hitting someone.

Meanwhile honey about your dad... if my memory serves me right from things you've said before your dad was always, even before mums accident rather a self centered person.  So it is very unlikely that he will ever change.

As far as he is concerned it is all about him and his wife.

The effect mum's accident has had on you and your sister isn't even on his radar.  😞