[mack73]

Not an adjuster, but worked for an insurance company for years.

Maybe I'm missing it, and I don't want to down play the emotions involved, but what is the point you are trying to make with the insurance company?

Yes they will question the events, but ultimately they will only have the statements of your children, any witnesses and the police report to make a ruling - but ultimately it won't really effect anything if the story is true. I mean she could have been texting while driving and drifted off the road right? (This is what the insurance company wants to find out)

Everything will be ok. Just answer their questions and provide the statements. Since there was no contact with the other party, she will be at fault (unless the officer cited something else on the report). It will be a comprehensive claim, you will need to pay the deductible. Typically your rates won't increase (but really depends on your insurance company) unless you/she switches insurance companies within 3 years (or if you get a laps in coverage)