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The nice part is, if you do get your insurance involved because she is under insured, your rates will not go up and your insurance company will go after her company for the extra $$$ not payed out. Same exact thing happened to a buddy who got hit on his motorcycle. He found the actual value of his bike by printing ads up for the same bike with similar mileage and insurance agreed it was worth a lot more than what the other drivers insurance was willing to provide. You just have to do the leg work and find your make/model/mileage for them to compare prices too.
Plus if you just had any work done in the last 30 day, they will refund you the money for it as long as you have paperwork to prove it.
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