that's odd. i had a leased car a while a go which was hit by a ups truck and my insurance just gave me a check made out to me. and ups's insurance sent me a check to cover the deductible.
i would check with nissan (or the institution lending your gf money) to see what they say. your insurance should just cut your gf a check and the old woman's insurance send your gf a $1000 check to cover your gf' deductible.
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