To be honest i think the insurance would just say nock for nock, There for no-one was to blame. As it wasnt on a public highway as well it could be affected.
The law states that its your fault if you hit a stationary object. However insurance companies will often just wipe there hands iof this sort of complicated situation and say nock for nock.
It shouldnt be too much, Just needs bending back into place and adjusting. I think it would be better off in the end if she just pays the small fee for it just to avoid any cosly arguments, After all its just money
