I was outraged that my insurance company paid her. The people I have spoken to since this happened have told me that it's less expensive for the insurance companies to pay if the person who is making a claim that is seeking under a certain amount to avoid going to court. Reportedly, they already account for this type of thing in the premiums people pay. Fortunately, even though my premium went up some, it didn't go up a lot. My guess is that it was because I was found to be not at fault. Thanks for reading and for the words of support.