I'm not trying to be a dick....but something's not adding up. If you were on the wrong side of the road, you had to be doing something. Not paying attention, going too fast, or you spun out...due to too much throttle. It's horrible that this has happened to you, but just be lucky your alive man. It could have been alot worse, especially looking at the car. Your car comments got to me. There are TONS of people your age, and younger who own gt mustangs. I've had one (02) and quite a few other nice cars. Gt mustang's are a dime a dozen, Your lucky you got more than 5-7k after the deductible. I wouldn't pay more than 5k for a 99 gt stang. Maybe 6k because of the low miles, but that's about it. Besides....camaro's do it better anyway. I've never been sued, but i'm sure there's gotta be something you can do. Fight it until you can't anymore. She's just obviously looking for a pay-day. Good luck man.