Hi,
Could anyone help me with the following serious scenario that to
me and my family.

Scenario:-
Me, my family and my friend and his family both of us from CT ,
went to Hershy park PA and on return, my friend drove the minivan and around 2:00 am every one Including driver in van drossed and hence the major accident in Morristown NJ. My friends wife died at the spot.
Note: I took the rental van in my name but did not add him as driver.
Now Question is :
1 . whoe's insurance pays for our medical bills completely. Currently my insurance denies our medical payments .
2 . whoe's insurance pays for the rental car total damage.

Whould appreciate your help .