| She will be able to file a claim for reimbursement of the rental car to the girl's insurance company, but they won't pay or deny until they complete their investigation, which includes getting their own statement from their insured.
She can try to negotiate for a higher amount for her totalled vehicle, but she is only entitled to the actual value of her car, how much a new car will cost her is irrelevant. She should be able to get some basic reliable transportation for that amount of money, even if it is not as nice as what she had, or she can use it as a down payment on something better and finance the rest. But she can look up her car's value on KBB (which will be high) and NADA (more realistic) as well as checking local ads to see what similar vehicles are selling for in her area, and use that information to negotiate the settlement amount. | 
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