If you can prove that the accident caused you stress in your daily life, trauma, psychological issues, strains on your job performance, etc... Then you could get away with it.
You can sue in most jurisdictions
Ask a lawyer about it.
They can
A contusion is a "BRUISE". Sure, you can sue someone for anything but the real question is should you. Are you really suffering badly from your bruise?
if they didn't know for the 3 years after and they just found out about it and think its new...
This depends on what entity you were wanting to sue. Any coverage for injuries suffered should be covered in your auto policy. The BI is not reduced due to the family member causing the accident.
You need to be more specific about where the loss occurred. If it happened in a no-fault jurisdiction, your right to sue is typically more limited than in a tort jurisdiction.
If there is no fault, then by definition there is no negligent party - negligence implies fault.
Because the person who hit them is at fault and with rear end accident there is usually medical bills and pain involved with the people who were hit. They have the right to sue to recover from the accident.
It is never a good idea to drive without insurance as there are costly penalties if one is caught or involved in an accident. If one is in an accident without auto insurance, their options are limited but they may be able to sue the other driver if they are at fault.
It is not whether the injuries are major that determines whether or not you can sue. You can sue only if the injuries were caused by the negligence of another person. If negligence occurred , you can sue even if the injuries were minor, although your recovery in damages would be as minor as your injuries. If this is an auto accident matter, some states have laws that state that you cannot sue unless you do have major injuries even if there were no negligence. Check the laws of the state the accident occurred in to get proper information.
You can sue anyone you want, But you would lose in this circumstance. You would also be required to cover all the legal expenses and attorney fees for the entity you sued after you lose the case. Homeowners Insurance does not cover auto accident claims, that's what auto insurance is for.