Presuming the daughter was the policy holder, the next of kin will have to deal with the insurer. The policy will be stopped of course and a part refund to be made if it the policy was paid in full upfront. But as I am sure you aware, financial matters such as this involving the death of the named person take a while to sort out.

Perhaps you can contact the insurer on their behalf, and find what the family need to do next. Probably explain the circumstances in writing and you could assist with drafting any formal letters.

To be honest it's a big can of worms to open. It is doubtful that on the TPFT policy there will be any payout except to the third parties.

There should be an opportunity to access the vehicle when investigations have finished. a friend of mine did this recently (luckily non fatal) and was able to retrieve some things he left in the car. You need to speak to the relevant police force about this. I doubt there will be any charge to have the car scrapped. If it's a write off the insurance company will no doubt take ownership.

Best bet is to find (hopefully free) legal advice.

First of all my sympathies to the family for their loss. Fatal accidents are always a difficult time for those left behind and the difficulty is likely to be exacerbated by the additional language problem so they are likely to benefit greatly from your assistance.

I am afraid there will be no refund on the policy as there is a potential active claim against it in respect of the jeep and the occupants. Nor can there be any claim on the policy, or that of the other side in these circumstances) for the daughter's loss of life.

It is important not to prejudge the fatal accident enquiry but given the circumstances you describe it seems likely the accident resulted from driver fault on the part of the daughter, catastrophic vehicle failure of some kind or possibly a sudden debilitating condition overcoming the driver. any of these are likely to have little affect on the deceased's legal position (but may affect that of the other claimants).

Once the police investigation is completed the family or their agents might be granted access to the vehicle or they can ask for any personal items to be returned - which is probably the preferable option in most circumstances.

The insurance companies are likely to resolve the issue around any third party claim.

Legally the car itself becomes both the asset and the liability of the deceased's estate meaning that any remaining finance or dues must be paid on it. There are likely to be liabilities resulting from the collision, specifically removal and (possibly) storage charges but there is also salvage value in the car and normally there is an agreed offset. The amount of storage fees will depend on where the police have put the vehicle but garages notoriously ramp up these costs so as soon as the police agree the car needs to be moved to a "place of free and safe storage" as soon as you can - which normally means a salvage or breakers yard - if it is not in one already.