Your anger is justified. Drunk driving is never acceptaable. I would be mad as h3ll too.
Insurance companies will try to follow a standard operating procedure based on policy limits and NADA (or other standard values.) They will offer a settlement at some point if they have not already. If you do not feel as if you have been made whole (in roughly the same position as you were prior to the accident), don't accept it.
Sometime they will start with a lowball number. That is where the receipts can make a big difference. Try to get a list of all moneys spent for the maintenance you spent on the car, her original purchase price, and all the receipts you can to back it up. You may need this to support your position either in a negotiation or in court.
Be prepared to sue the insurance company and the driver for the difference between what they offer and what makes you whole. In many cases, to avoid the cost of the legal battle they will settle for an amount above what the original offer was. It may not be all you are seeking, but enough to avoid further hassle.
In the same way that they will low-ball the number, you may want to highball yours. That way if a meet in the middle compromise is worked out, you will be where you wanted to be in the first place.
Good luck to you and your sister
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