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Welcome to JA.
Can I clarify you need to know how to obtain the documents your insurer used to arrive at the decisions to pay out which they alleged is confidential.
With regards ***** ***** obtaining the documents I suggest you make a "subject Acess request". Notify them you have the right under the GDPR to have sight of all documents that has yours and/or husband details within it.
With regards ***** ***** and injury claim as you mentioned it appears the collision and the injury are not consistent. However to truly find out what's going on your insurer should communicate with you what's going on as you can help them with information such as the collision was not severe to cause the alleged injuries.
Do you understand what I have stated so far if yes I will proceed to the next step
From what you described it appears this is a service issue aswell. In view of this I suggest you consider filling a complaint regarding the service provided on the grounds that as a consumer you have a right to receive a service performed with reasonable care and skill. Therefore the fact you have not been involved in assisting the investigation of the claims thus the service provided has been below par.
Contact the customer service and ask for the complaints team/ manager. Once you have the information please write or call to file a complaint. Further ask for a written response to your complaints as that gives you time to review the same with your partner.
Hopefully once you file the complaint they should be more open with you and then you will know why and how they dealt with the claims
Have a good day
Without sight of your terms and condition but on a general basis yes insurance companies can proceed to court without policy holder's knowledge because it is likely there is a term within the terms and conditions that permits them to take over the claims and deal on best possible terms.