Car accident insurance wont pay?

Its been about 1 month since the car accident happen a police cruiser tea boned another group of serial killers into a group of cars one car total and others with heavy damage.one of the passengers died two were injured in the crash.we have tried getting a layer but the only thing they say is that they cant really be anything done cause there was a death.we called the insurance but they said that they could not do anything they need it a police report and police wont release the report there because of one death and the case is still under investigation.one month passed we called again and they told us that all of the owners of the cars that were hit had not reported and did not know how to spit what the insurance money covers. now my parents are worried they might not be able to fix there car and not get anything at all we have no idea what to do except keep calling the car insurance.my parents were going to get together with the other drivers to see what they can do. but so far only time has passed and they have not done anything or have gotten anything from the insurance.

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