Thank you both for your replies to my questions.
As an update...
They "Ins. Co." have finally retuned a phone call.
The call consisted of, the "Case" will be coming to a close soon, they now have enough info to evaluate & finish the contested policy. They will inform us soon of there answer, When asked how much more time, “within 1 week"
It's been 1 month & no reply.
The police report also closed with their investigation. Grand jury found no reason to prosecute anyone & conclude that it was an unpreventable accident.
The driver(s) wasn’t charged with anything, which we know of?
Description of accident:
(3) Vehicles involved.
Location: Directly in front of my mother’s house on small service road “35 MPH limit”.
Vehicle #1 “our Relative” Backed out on to road “facing north”. Vehicle #2 coming from the south. Hit Vehicle #1 from rear.
After accident, small space in between both Vehicles 8 feet. Vehicles rested on opposite sides of service road
My mother went “walked” to see about accident & relative’s condition.
About 3 min after, vehicle #3 From the south” drove through both Vehicles #1 & #2 hitting one of them & preceded to hit my mother. Vehicle #3 finnaly came to a full stop 122 feet past the location of accident.
Driver of Vehicle #3 said “I never seen the accident” her age 71.
bowler87,
My mother's condition at the time of & prior to the fatal accident was normal "mild chest congestion, Lower back pain "due to ruptured disk" both conditions reported on policy with Doctor's names & address.
ALawyer,
I feel that I should have took your advice immediately, Just on the fact that their exercising their right to contest the policy, I should also exercise my right to be counseled & represented "If need be"