shortfall of credit even if a drunk driver was res

My dad was in an accident a few months ago and his car was written off! we complete all the claim forms and now today they sent me the settlement calculation and now there's a R25 000 credit shortfall!I was shocked and I asked the lady if my dad has to make a personal loan to settle that!no one told me that when I took out the insurance!!I'm very dissappointed because my dad was not responsible for the accident but a drunk driver was and the insurance asked for his details and I gave them!but now my dad as a client must make a loan to pay the shortfall?? I'm insured by M&F aswell but I guess I need to make a change coz insurance should help u back where u were before u bought the car but not now!!does m&f has a legal team to deal with the person responsible for the accident that couldve killed my dad and 2 others in the other vehicle?