She wasn't happy. Tried to get me to take my car to a panel beater that a family member of hers owned. Not gonna happen. Our insurer (Vero as well) paid for all my repairs right away and a loan car while it was being fixed, and no excess charged to me because she admitted fault to them over the phone.
It ended up in front of the disputes tribunal. I had to attend as I was the driver but 2 people from Vero also attended to justify the claims and stuff.
It ruled in our favour, and they discussed how much she would be paying each week ($15-30 a week IIRC?) until the whole amount was paid in full. Simple and done within half an hour or so. Quite painless.
If you can get a few quotes together for the work to show the true cost of repairs to the damage caused (only claim for the damage caused by that crash because they'll scrutinise everything, so you need to be able to back your claims up). I don't see why you can't win :) Good luck with whatever option you pick!