Not all AD do accident claims. Their focus is on repairs. Whether u are the banger or bangee is not important. Pay for it first and go elsewhere to claim. I am sure you know how long it takes to collect insurance money. Employees at luxury car AD collecting fixed pay have no incentive at all, unlike taxi coy, rental coy and outside workshops.
The fastest way to make a claim would be to send to outside workshops who are authorized by IDAC, and got their own network of doctors and lawyers. If she knows anything at all, this is the first place to go, not AD. Go there and they can advise whether 50/50 or 100%. If sure win, they will take u on, and start the creative story telling process while filling up the IDAC report.