Right now it looks like our only option is to use our collision insurance to get the car fixed. What a waste - we spend lots of money on car insurance and when someone else plays the system we owe MORE money?
Argh.
Bruce and I didn't really want to do this but we had to call my mom to start intervening. We're in over our head and it's still her car and her policy.
I'm sure one day I'll look back on this and laugh.