Janie - difficult though it might be, bearing in mind the circumstances of the accident, for everyone's sake please make sure that the Insurers of the pickup truck get full details of a claim against them. Both your mum and Annie will need care over the next few months and a payout from the other insurers can help provide that care, not just for medical bills but to pay for others to do the things that you would like to be available to do. In these circumstances the assistance of a good lawyer is essential.

Keeping you all in my thoughts.