[legion]

This would normally be covered under collision, as she was driving the vehicle and struck something. A nice claim rep might consider it under comp, but don't hold your breath.

See what it would cost to fix. (I'm guessing very pricey.)

See what her deductible on collision is (most insurers require some sort of deductible on collision).

Go with the option that costs less. Keep in mind, that this could lead to an increase in her rates, but that depends on her insurer's underwriting rules.