1. At the outset, your daughter will only get the value of her car back if she sues her own insurance company. Given that there has been a derisory offer of 9k leaving her with a shortfall of 4k, then she might as well go ahead and get herself a reputable solicitor who will sue for the value of her car. That is the only way she can recoup her losses. While she is at it, she might as well sue for the bang she suffered when the other car ran into her. There is no point being backward about coming forward. Once you are in for a penny, you are in for a pound!