Similar thing recently happend to me....after almost 3 weeks of battling with the insurance theyre giving me $3,000 to repair my car, its a 95 gsr, they only give you what the "book value" is on the car, luckily mine was set at 4k.
find a shop that will do it cheap....parts for what you need are no more than $600.... dont ever EVER take your car to honda collision, i made that mistake at first, they quoted the repairs at 5k, and thats why my insurance gave me such s***.
they said i needed a new a/c condenser, and all this bulls*** under the hood, when they never even popped the hood, i was the first to pop it open after it left honda and i took it to my other body shop, because once the hood was opened the latch wouldnt catch again.....
battle the f*** out of your insurance, i have full coverage and never been in an accident before, especially since this isnt your fault, sue her for your repair costs, dont accept a total loss, its your choice.
Btw, its easier for state farm to total out a car then pay for the repairs if its over 80% of the cars value, i have state farm which is supposedly the best, and they gave me the biggest hassle in life, overall, my claim rep did try his best to save my car, and explaining your situation and all that, and being nice and courteous goes a long way.
good luck on repairs!