Larry,
Call the insurance company!
If the police were actually called to the scene, then the girl's fate is probably already sealed. Her "points" will be determined, iirc, on whether the police have issued a traffic citation and have charged her with any number of offenses. That's the way it works in a number of states.
As for the insurance, you don't need to contact YOUR insurance company at all. Again, assuming a police report exists that cites the girl as being at fault, you should go directly to HER insurance company. You should INSIST on them reimbursing you for the cost a rental vehicle. Most insurance companies will pay for a couple of days without question and longer if necessary.
It sounds to me like the father is trying to do two things: (1) Keep HIS insurance rates from going up, and (2) Protect his daughter's driving privileges so HE isn't bothered with having to chauffer her around.
I wouldn't even give this a second thought! Call her insurance company!
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“Every tavern’s an opportunity, I say.”
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