No fault is bare minimum (illegal in some states) that only covers acts of god. (Where no-one is at fault)
Why would they total that? Totalling is only if the repair bill is far superior to the cost of the car. I had the back end of mine crushed, bill was 7600... and I still have my car. That's maybe 2k, definitely keep-able. She should be liable for something though... check with ur agent.
...and I think the proper proceedure around here is "fhl" "eff her life". She's gotta pay somehow.
