Sean,

This is why you pay insurance premiums. Find out what the cost of the parts would be to put your vehicle back the way it was. Include any paint work or labor done by others. If that cost is significantly more than the collision deductable on your insurance policy (assuming you're in a no-fault state), then have the insurance company make the repair. The work will be done right and it will be guaranteed.

Even if you're in a no-fault state, if the other driver was at fault (that driver was cited by the police), then your insusrance company can get her insurance company to pay your deductable. Plus, if it is shown to be the other driver's fault, your insurance company can't jack up your rates because of the accident.