You must by law turn it in to the insurance, and I hope you did get a copy of the police report. I also hope you mentioned that she might have been texting...so they can all check her phone records. She needs to learn this lesson now, or she might get away with it and continue poor driving that will get someone and/or her killed in the next accident.

You pay for insurance to handle this type of thing, use it! You don't know but that once you drop it, that she'll sue you for something regarding the accident! people.