If you had liability insurance at the time of the accident, you should immediately inform your insurance carrier of the judgment and ask them to pay or to have the default vacated; the insurance company can pay for the attorney.
Your mom had a parking lot accident, and likely did not tell the other owner what happened because she did not see any damage. The questions are how much is her deductible; and whether its worthwhile to make a claim when she will end up paying more for the repairs in insurance than she would if she just paid for the repairs herself. The insurance company can deny the claim if the claim is false.
You can file with your insurance company, pay the deductible and get your car fixed; your insurer may or may not sue the guy who hit you and get its money back, and even your deductible. But you would be better off getting an attorney involved as soon as possible.
First, please note that exwife may get a death certificate from the state health department. Second, there are some states which have a statute which says that if a husband and wife have life insurance policies which name the spouse as beneficiary, and there is a divorce, the ex spouse is treated as predeceasing the insured, and the proceeds pass to the next beneficiary, if any, or to the deceased's estate. In Oklahoma, the statute is 15 Okla Stat. 178 ; You may need to contact an attorney...
Generally, the policy gives the insurance company the right to investigate before paying the claim.
Wagnon v. State Farm Fire and Casualty Co., 146 F.3d 764 (10th Cir.(Oklahoma)1998) allowed the insurance company to deny the claim after the insured was not honest about where he got the items he claimed were stolen.
In Conti v. Republic Underwriters Ins. Co., 1989 OK 128, 782 P.2d 1357, the Oklahoma supreme court said that the insurance company did not act in bad faith in investigating the...