While driving my DD and two of her friends home from soccer practice, I was rear ended when coming to a stop in a construction zone.
They only pay to replace it if it meets several of the requirements on some list put out by the gov't. I don't think she'll qualify since her airbag didn't deploy, the car was drivable and the door nearest to the seat wasn't damaged. I think there are a few other options but those are the ones that I met last year in my accident.
I can't imagine how scary that was!