I would pay out of pocket. The rate increase from an at fault accident against her would increase her rates for 3 years. For your state in 2017, an at-fault accident raised rates an average of 53% according to our State of Insurance
analysis. Because you would only gain $105 from filing a claim but would most likely pay more than that in future claims, I recommend going out of pocket for this. However, the decision is up to you.