I am so very sorry about your father. Regrettably, this is not an uncommon issue in wrongful death cases.
What generally needs to be done is someone needs to determine if there is any other applicable insurance. This can be tricky. Was the adverse driver working? Was the driver on a family errand? Is there underinsured coverage in the household that might apply?
While you would also typically evaluate the adverse driver's assets, you described the driver as a "boy," so it is...
This question is complicated and not always subject to easy "yes" or "no" answers.
First, if you are asking which law governs the application or interpretation of an insurance contract, then it will be either (a) the law selected in the insurance policy itself or (b) the law of the state where the policy was issued. In a personal injury setting, this will generally be an issue if you are making a first-party (UM/UIM) claim, otherwise its not an issue in third-party cases (in Arizona anyway)....
There cannot be any definitive answer to your question without exploring the facts. Were the employees officers or directors of the company, for example? Is the attorney representing them? What is there expectation of their relationship with the attorney?
Assuming the attorney has no lawyer-client relationship with the witnesses and/or no reasonable expectation of such a relationship, however, communications with those witnesses are typically not privileged.
Based on what you have said, it is impossible to say what additional claims you have or may have had. Among other things, there could be legal malpractice against the attorney who handled it for not tapping additional assets or investigating additional insurance. Of course, the time is important because the statute of limitations applies to when you knew or "should have known" about potential claims.
You've gotten bad advice. You should never "wait" and any attorney who tells you that is wrong.
This occurred on an Indian Reservation, which means that you will have issues making a claim due to something called sovereign immunity. Our Reservations, however, have something called a Gaming Compact which permits gambling on the Reservations provided the Tribe waives sovereign immunity to some extent and implements some procedures to address injury claims.
The reason why waiting can be...
It's impossible for anyone to tell you what your claim is worth without looking at your medical records and bills. Someone with low bills can sometimes have a very valuable claim (e.g., it does not cost much to amputate a leg, but the claim is worth a lot). Best advice is keep good records of your expenses and seek an attorney's help.
By the way, all of your kids have claims as well, but any money they get will need to be approved by the court and will need to be put into a restricted...
I agree with others, it is very difficult to answer your question without more. But here's a couple of pointers:
1) To the extent there is a minor involved, most claims are tolled for minors -- except wrongful death claims against an estate where you are seeking more than the auto policy limits.
2) Unless the grandkids were injured in the car accident, they do not have claims. They do not have wrongful death claims in California.
3) If you are concerned about whether your attorney...
Answer: Yes. And, I agree with others.
Unless you've been told otherwise (such as your attorney is on vacation or in trial, etc.), you should expect to hear back from your attorney within 24 hours.
If he/she cannot be bothered to communicate with you, how lazy will they be in handling your claim?
Find someone new.