Cheers for the constructive replies guys!

Well...I've had a few quotes, which is basically a fill/repair/paint the bumper, and I let her know this would be between £3-400 cash to be sorted.

Anyway she has now come back to me today and said, actually she wants to use the insurance, and can I use that garage we agree'd on, as she wants to get her car repaired too.

Now I reckon she is only Third Party, and wants me to use this garage so her mate that runs it can add her repairs onto my bill, paid for by her insurance (fraud?!)....which I am a bit pissed off about, cheeky bitch!.

Anyway, I'm happy enough to go through the insurance, but will use whichever garage I feel like, mind you they will probably write it off again anyway. (Due the fact it's already Cat C, and rather than fill/paint for cash, a new bumper, painted, with reverse sensors etc will probably soon add up). But she must be fucking stupid?! I'd rip someones arm off for a £3-400 cash deal to settle!!!

Her excess will probably be most of that amount, she'll lose all her NCBs (that she originally wanted to hold on to), and if she isn't FC then because of my insistance on using a garage closer to home, then she won't have her car repaired either?!

What is she thinking?! Ahwell....whatever I guess!

Bit of a bummer I'll now have two-non fault claims on my file, but still, shit happens.