I've gotten letters from the at fault drivers insurance company and information that suggests they want to foist the responsibility for their driver on Hertz because she was driving a rental car. I called and left a message for the insurance guy but he hasn't called me back yet. We shall see.

*bzzt* Play again, insurance company and Hertz. Who ponies up the money to fix your car is irrelevant as far as you are concerned. Fact is, she damaged your car. Whether it's Hertz or insurance Company who makes your damages whole makes no never mind.

"Sue them all and let the judge sort 'em out-- s/he will know who is in the right," to paraphrase a famous bishop from the Albigensian Crusade.

It's ok to sign away your rights to recover damages from the accident by allowing your insurance dudes to fix your car, then your carrier can, in turn, pursue Hertz or Crazy Woman's insurance on their own. This is called subrogation. Just remember-- you have a year from the date of the accident to sic an attorney on them file a lawsuit. Keep the statute of limitations in the back of your mind as time continues to slip away, because your insurance company will want the statute preserved for their benefit if they end up doing good by you out of their own pockets.