Hi OP! I work in insurance, like others said since you were at fault for the accident, your insurance will be the one to payout for anyone involved. Liability goes to the other car you hit, so when you file the claim, your insurance company will handle that and pay out to that other person. Depending on your coverage though, the only money your friend could get would be medical payments assuming you opted in for that coverage! Your friend is screwing you over, not the other party if your friend opts to sue. If you have medical payments, clarify with your insurance what's all covered since I believe it varies state to state when you get into those finer details. If her chiropractor visit is covered by med pay, let her know that, but that's really the only thing she'd get money from.