From my understanding, and I do not know all the details, but . . . let me step out on a limb . . .
She has the title, it is her car, she does not have to buy anything "back"!
They should either replace car with the "SAME" (Trade), or fix it to the "SAME" previous condition!
They (Ins co) work for her, she pays thier salaries . . .
P.S. I don't like Ins co's!
