My 12 yr old was at a friend's house. The friend said it was ok to climb on the parent's car. While both girls were sitting on the car, the girl told my daughter "let's go on the roof". My daughter sat on and cracked the sunroof. Since both girls were on the car, their girl said it was ok and the parents were not supervising, I offered to pay half their insurance deductible. They want me to total repair bill. I say it was a mistake made by a CHILD. What should I do?