Her insurance is paying
The car might get totaled out though... Replacing a radiator tie bar isn't exactly 1-2-3, not to mention the parts. I had my buddies dad run a value on my car (He owns a dealership) and it came in at $5,275. He said the repairs have to be less than half the value of the car or else it's totaled. I can easily see about 20 hours of labor + parts being pretty close to $2,500... so we'll see what happens.