Fault and insurance are two different things. If he received a ticket, it is likely the officer found him to be at-fault based on the information provided to him at the scene. If he is uninsured, your only option would be to go after him personally (meaning suing him and trying to collected from his assets/property, etc.), or to make a claim against your own insurance under the uninsured policy provision - provide you have that coverage. You should seek legal advice regarding what your options especially if you were injured.See question
Your assumption that your family will loss the property when she passes may be incorrect given the property would be distributed pursuant to the Intestate statutes, if she does, in fact, not have a will. No matter what, you CANNOT transfer the property without her consent if she is of sound mind; I will defer to the previous responses and reiterate that would be fraud.
Depending on her mental capacity, you may be able to Petition a Court for an Adult Guardianship, but that has its own limitations. Your best option would be to consult with an attorney familiar with estate planning and guardianship to determine if there are any options available to protect the property - but your grandmother will need to be a part of that discussion.See question