Many lawyers take cases like these on contingency. Which means they don't get paid unless you do.
If her Mom and your wife are sore, suffering legitimate hardships...then by all means get a lawyer. Insurance co's respond better to lawyers anyway. Many regular people don't know what to do when they get the run around from Ins companies. Lawyers do. I am not saying make a frivolous suit, but if there are legitimate hardships...then by all means pursue your legal options.
Hope it all works out and things get back to normal.