My boyfriend and his co-worker were on their way to work when they got into an accident. Our insurance covered the other vehicles damages and also my boyfriends and his co-workers injuries. However this co-worker is now threating to sue for the pain he's in and for his loss of work. He has yet to seek any aftercare though or speak to our insurance company. Can he do that though? And if I'm primary on the insurance how will that affect me? (The police said it was my boyfriends fault since he failed to stop at a red light,but his brakes wouldn't stop so it's not negligence right? And their employer is my boyfriends dad and the only reason why the co-worker has yet to work is for his failure to communicate with his dad.)