Originally Posted by
LoRoK
This is all totally true story. I went through this when I was a passenger in a car that was rear-ended by a drunk. Took over a year to settle, but I got about $11,000 and it wasn't even my car. The insurance company tried to get me to settle (before I had a lawyer) for $350. Lawyers really help you from getting screwed over by insurance agencies. It's not like the insurers stay in business because they just want to hand money out, you know? They're crooked just like everyone else.
You should get a lawyer.
What did you need $11,000 for if it wasn't even your car? Were you injured?
Obviously if the OP wants to just milk this guy for everything he is worth and defraud the insurance company of as much money as possible, then those are the steps she should take. If she just wants to be adequately compensated, though, there's no reason to punish the guy more than making him pay for what needs to be replaced.