Legal Question in Insurance Law in California

You were at fault for hitting the other vehicle as you should have been driving at a slow enough speed to avoid the crash. You owe her what it would cost to repair the vehicle or its fair market value, which ever is less. That she has insurance does not matter. Her insurance company paid her and could come after you for the amount they paid her is she assigned her right to sue you to them. Since you owe her the full amount but she is willing to settle for half, she is giving you a bargain. Why should you not have to pay her; she has had to pay her insurance premium, not you.