First contact your agent to get the claim started. Then call the officer back. It’s not really going to help your situation at all, but it makes you feel better. You already know she’s without insurance. Just get it in, let insurance subrogate against her. That’s what you pay your premiums for. If they can’t recoup the costs, they’ll litigate against her later on down the road. Hopefully, you can squeeze blood from a turnip and you’ll get your deductible back like Francis K stated.
Gahh… There, now it feels like I’m doing work at my insurance job, talking about insurance while looking for Driftless area/ pool 4 ice fishing reports.