BINGO!!!!!
B1GHAM said:that was my first thought as well. I think that if my (future) daughter/son hit their gf/bf's car and I actually liked the kid, that I would do everything I could to right the situation. It sounds like her parents dont care, enough so to make me think they dont like you or your relationship with their daughter. Think about it... If it was a complete stranger, this post wouldnt be here.
My thoughts - contact you insurance company and let them know, theyll do all the other work to contact/collect payment from her insurance company. THEN tell her/her parents that you couldnt afford to fix it yourself and HAD to go through the insurance company. That way you wont look like the badguy by calling her out on something she should be fixing anyway.
Sean