Were you in a lane, or were you passing in the lane normally used by oncoming traffic? Your post wasn't too explicit.

It's typically still her responsibility to insure that it's clear to proceed out of the parking lot, even if one motorist "waves" her through. But, if you were in the wrong lane or doing something shifty, splitting lanes... then it might be your fault.

I'm glad you're okay, and I'm sorry about your ride. I doubt she'll pay out of pocket for your losses, since she probably has some leverage within the insurance company. She'll submit a claim, her company will handle it, and her rates won't go up.