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If the insurance companies give you no joy, get your solicitor to write up a letter, asking for payment, giving her the option to pay off her debt.
While you won't get your money all at once, you will get it back eventually. Set up a separate bank account and get her to automatically direct debit $20 a week into it. (or what ever amount she can reasonably afford)
This is how my son is paying off a debt he owes over a rearender he was involved in.
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