The plot thickens...I just heard back from the insurance adjuster from the girl's insurance (who supposedly ran a stop sign). Her insurance has determined the shop owner who hit her was at fault - saying by looking at the aerial view of the intersection and the location of the impact, even if she ran it, he should have seen the car coming (it is a big intersection at the entrance to a shopping mall). I think his dodging of her questions may have led to this in some way. She says he always tells her he doesn't have time for her to get some recorded statements about the accident or just doesn't answer - even when she calls during business hours. She asked about the values his insurance company offered me and said she thought the $14k was low too as she had $15k.

This should be interesting...