Insurance or accept cash to repair it myself?

[darrsi]

To reverse into another vehicle is simply a lack of car control either because she couldnt see,didnt look,or was otherwise distracted. That could easily have been a small child/pedestrian. There are far too many people behind the wheel who do not have the necessary skills/attitude to be in charge of a vehicle.
I dont understand middens support of the girl-what has her age/type of car got to do with the fact that she has caused damage to this bike? If she cant see behind her then she needs to do something about it before she kills or seriously injures someone.

Kind of what i was thinking.
Breaking it down to bare facts, she hit the stationary bike, it was fine before that, now it isn't.
Of course that's why they're named "accidents", it wasn't deliberate whatsoever, it's just that every now and again shit happens, but in this instance that accident has resulted in damage to someone else's property so she needs to take full responsibility, get things back to the way they were before the accident, and even an apology wouldn't go amiss either for the trouble caused. For instance i really rely on my bike, for daily commuting and also because i'm on call for work every other week. Without the bike i wouldn't be able to be on call so would lose money. 
It's just one of life's lessons that she needs to deal with and move on, and maybe pay more attention in the future at where she's aiming her motor.