It is normal to feel hesitant about pursuing legal action against a loved one or family member. people are hesitant. By filing a claim, you are not suing them. You would only get into a lawsuit by suing them if you don’t recover within the statute of limitations time, which is two years.
You are just filing a claim with the insurance company. If your recovery is smooth and we can settle the claim with the insurance company, you will not need to sue your friend, family, or loved one.