Q 1: reasonable. Even if the other party makes a big mistake, you also have the fact of overloading, which violates traffic regulations. You can complain about the behavior of the traffic police. But in this case, the responsibility of your father-in-law's car is definitely unavoidable.
Q 2: You know, tell the truth, and then see if the amount of insurance claims is fixed. If you feel dissatisfied, you can take coordination and appeal to the court.
Q3: I can help you with this. If you have any questions, just come to me directly. I am a lawyer of Guangdong Guanghe Law Firm, QQ: 147249597. E-mail :maxwanginter@yahoo.com.cn, let's talk in private. Let me tell you in detail.
Q 4: I will tell you this in private, too.
Contact as soon as possible ... I hope I can help you.