Case being tried in MACT without respondents (self & self's insurance company) attending the hearing

I got into an accident last year which unfortunately resulted in the deaths of two people on a two wheeler. However, through the footage of the dashboard camera in my car, I could prove that the rider of the two wheeler was at fault. The same was recorded in the FIR (the victims were named as the accused). After getting the vehicle inspected by the RTO and getting it released, the insurance claims process was completed with the car declared as a total loss. The case related to the accident is being heard at the Court of Small causes in Chennai and they issued summons to the registered owner of the car, which is my sister. However, she is settled abroad and despite me and other members of the family being present at the given address, the postman refused to hand over the summons to us. I started tracking the case updates on the Chennai high court's website and saw that multiple summons are being issued for my sister. I got in touch with the lawyers of the Insurance company on whether I need to get involved in the case. They assured me that no one was required from my side and that they would handle the case as I was not the negligent party and the insurance claims were completely settled. However, it appears that the Insurance company also is not attending the hearings and the case is moving towards an ex-parte judgement. I would like to know what can be the potential of the risk, if any, that the judgement might be unfavorable to us and how should we protect ourselves.