File with your auto-insurance company for the property damage.... they will cover you for your car's value then go after her for reimursement. If she's got 20k max then her insurance will pay yours $20k then yours will worry about suing her for the balance owed etc.

In a scenario like this go through your car/health insurance and follow your lawyer's advice and pay your deductibles up front and then let them fight it out and do the heavy lifting and collecting. When they eventually get reimbursed you'll get your deductibles refunded to you.