Based on the facts provided it sounds like there is no reason your insurance company will not cover the damage. I would take a wait and see approach. If your insurance pays to fix your car, than you have no issue.
The information provided is general in nature based on the limited information provided and does not constitute an attorney client relationship. This attorney is licensed only in the State of Washington and is not rendering you legal advice. The information given is for educational purposes only. The best advice would be to consult with an attorney in your local jurisdiction for answers and opinions based on specific and more detailed information relevant to your case specific question and the relevant laws in your area.
Your insurance company may pay the damage and charge you the deductable. Also, if your friend has valid insurance on her own vehicle, her insurance company may reimburse your company, plus return/pay the deductible back to you. If you don't want to pay the deductible and seek reimbursement, you may try putting the claim through your friend's insurance company first.
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