It’s understandable to feel uneasy, especially if the driver is a friend or family member. However, in reality, your claim is against their insurer, not them personally. In most cases, they won’t be personally out of pocket (except for any loss of no-claims bonus). In any event, you have a right to claim damages for the injuries you suffer and to be reimbursed for loss of earnings and any other out-of-pocket expenses.