A Woman Hit My Parked Car And It Might Be Totaled

I had parked my car outside my boyfriend's house the other day. He lives on a street with a fair amount of traffic flow, so his parents always advise me to park in his driveway to avoid crazy drivers. While parking on the curb in front of his house is permitted, his parents prefer I use the driveway when possible. During my recent visit, his whole family was home, occupying the entire driveway. I had no choice but to park on the street, which I had done before without incident. However, within 30 minutes of my being there, we heard my boyfriend's dad banging on the door telling us that my car had been hit. He witnessed the accident while warming up his car to go to work. When I went outside, my car was pushed onto the sidewalk, and the entire passenger side was severely damaged. We confronted the driver, who was a woman with her unbuckled 6-year-old daughter. She was on the phone, repeatedly saying, "I told you I couldn't drive, I told you I couldn't drive." The police arrived and determined that she didn't appear to be under the influence of drugs or alcohol. They attributed her erratic behavior to a possible head injury sustained in the accident. However, I still find her behavior highly suspicious. We are currently awaiting the insurance claims process. My dad believes my car is likely totaled. If that's the case, her insurance will only compensate me for the actual cash value of my Jeep. I feel this is unfair. I had just finished paying off my Jeep last month. I am a fully time student and also work in a pharmacy to pay off school. So I was happy to finally be debt-free and able to focus solely on paying for my education. Receiving only the actual cash value will severely limit my options for a replacement vehicle. I won't be able to afford a car I'm happy with and will likely have to settle for a beater car. This is extremely frustrating, especially since I loved my Jeep and planned to stay with it for as long as I could. I'm seeking advice on whether there are any legal or other avenues to potentially receive more compensation than the actual cash value of my vehicle.