Hav'nt even made the first payment

End of last month J bought a new car using a little money that she received from her nana as a deposit. Today we had a little rain in California and on her way to college she got rear ended and the back bumper was totaly crushed and pushed under the car, so sad. Luckily she was not hurt, I took her to urgent care just to make sure. She feels a bit sore but I think that will soon wear off. Don't know how much real damage was done as we hav'nt had the estimate yet. Insurance, hopefully, will cover most of it but it won't be the same anymore. :(