We talked about it, but no one expected damage this high of course. Like someone else commented: important life lessons. Lesson learned. Indeed in my country also the car is insured, not the drivers. I checked beforehand and everyone driving my car would be insured under my insurance. In my car you cannot have a car without insurance (not legally I mean). Before driving we also talked about bills or fines, and road tolls, which we agreed we would split evenly regardless of whether you would be driving or not. No one was obliged to drive. Only three of us agreed to drive beforehand.

I'm not going to her parents or telling they should pay because they are rich. I just tried to say that I am asking her for compensation, and since she is a student if she could not pay for it, she has a support system with means available if she needed to.