QUESTION: WHAT IF A FAMILY MEMBER IS AT-FAULT FOR THE CAR ACCIDENT?
ANSWER: When a family member was driving the car that hurt you, you still have an insurance claim. Remember, this is just an insurance claim and it is not like you are suing them to take their house. There is good reason why people have car insurance in the first place so that when drivers hurt people, there is money for compensating their injuries.
Making a car accident insurance claim is not the same as filing a lawsuit. There is nothing about filing an insurance claim against your husband driver or child driver that is going to make them go to jail, or lose their house. The only person who has the power to file a lawsuit instead of just an insurance claim, is the injured party. As the injured party, you control when and why you file a lawsuit. No one else can tell you to file a lawsuit against you family member. 
A SAD STORY: I have changed the facts of this sad story to protect identifies. I remember a young alcoholic father who was driving drunk. He rolled the car while drunk with the baby infant inside causing the baby injuries. The father was prosecuted criminally for a DUI, but didn’t take the child to a personal injury attorney’s office to access the insurance policy for the infant’s benefit. Concurrently that father should have hired a DUI lawyer and walked the infant directly into a personal injury attorney’s office for fair and reasonable compensation. Instead he waited in shame, doing nothing.