[aigel]

I would fix this myself with used parts and have it sprayed cheaply. I would let her drive it as is (making it safe with hardware store items) until she has the funds to go shopping for used parts.

If you can't do this yourself, have her get estimates at body shops and start saving while she is driving it as is. I think driving it in this condition will remind her daily, which will be good.

If there is any chance a phone was involved, I would enforce the phone to be in the trunk while she is driving. It is just too tempting to go check real quick ...

G