My daughters house was hit by a neighbors vehicle with the keys left in it. The car rather came out of gear or left out of gear. The neighbors are elderly and disabled. Due to the keys being left in the vehicle, their vehicle insurance may not pay for damages. The hit has made the corner of her house instable and she will need all new brick on that side along with a new garage door. All very expensive. What can she do? She does have home insurance but the deductable is even more than she can afford right now.