I just got one of those calls a few weeks back, turned out to not be too bad but I know the hair raising helpless feeling you described. Glad to hear she's OK, that is really all that matters.
Two resources for those with young drivers:
Tire Rack Street Survival A one day school put on by BMW Club and Tire Rack, primarily deals with car control and limits. They conduct these all over the country. Cost is $75
Fleabay seller "onlinepartbin", out of Texas. They will FedEx you prepainted (you supply VIN and Paint Code to them) body panels or bumper covers at very reasonable prices. Don't ask why I know of them...
