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Don't turn it over to your insurance yet, but either call your agent and talk to him, see what he says. You can also call your insurance co. and ask them about it without giving your info. Do you have any lawyer friends? If so, ask them their advise. Seems like the guy that backed into your daughters car was at fault.
Dave
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Make sure to check out my balls in the Pelican Parts Catalog! 917 inspired shift knobs.
'84 Targa - Arena Red - AX #104
'07 Toyota Camry Hybrid - Yes, I'm that guy...
'01 Toyota Corolla - Urban Camouflage - SOLD
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