Don’t go assuming that the fault is going to be placed 100% on her just yet. That’s what I thought would happen over the summer when some stupid middle aged broad on her cell phone pulled directly out in front of me and totalled my fucking Z/28. I had liability only, and my insurance company didn’t want to do a god damn thing for me, so her insurance company came back with the accident being 30% my fault. Luckily I got to keep the car, was able to sell it, and still made out alright. I was also injured in that accident though, so it’s a little different than your case. But just saying, don’t assume that just because and accident actually IS HER FAULT, that you won’t be pinned with some of the fault just because you have liability and your insurance company won’t do jack shit for you.