I have been in the same situation.. we planned to dispute outside of Insurance, next thing i get a letter from the bitch's insurance crowd demanding money.
For a celica front bar that just needed to be popped out, apparently her headlights and reo needed to be changed (and they werent even dented/broken - i saw them after it was all removed).
$1850 later (thanks justcars).. some bitch has a brand new front on her celica and im eating bread and water for a month.