I didn't want to go through insurance unless I had no choice. Even though it would not have been Shadows fault it would still have gone down on her insurance record at 17. Also as you say the bike would have written off for the sake of 4 plastic panels and a screen. The prices for those parts is exorbitant, blatantly a rip off in my opinion. The bottom speedo casing slone was £99 FFS. But what can you do apart from build an ugly street fighter/cafe racer type thing. Not something she would like or me. She likes having the best, newest, cleanest CB125F in the college car park.
Also the woman didn't want to go through insurance unless she had to as her excess was £500 and next years premium would have gone up. Plus I didn't push it, but she did leave the scene of an accident.
On the plus side Shadow is basically fine, if a bit sore, she can't wait to be back on the road. She is tough, has been thrown off horses many times in her young life . I will be getting busy with the super glue to get her back up and running while we are waiting for the new parts to come. I did chide her a little as she was going a little fast when it happened, only 15 MPH but still to fast to stop when the woman pulled out in front of her. I told her I had seen video of the whole thing. Definitely not Shadows fault but a little more caution would have probably avoided the whole thing. I may be being a little over critical but I have years of experience and you can't expect her to get that overnight.
I did take her and her mum out for posh coffee and cake to chill after the event, but she is fine, up her boy friends now.