Car accident?

I was driving my car making a left turn into the driveway. When a car struck the right rear quater panel of my car. It was mostly my fault because i kinda cut her off, but the speed limit was only 30mph and the skid marks from her car shows that she was going over 30. She was going to go through her insurance but realized she doesnt have collision so she wants me to pay the $400 it will cost to pay for her car. I dont have collision either though. But i was thinking if i did go through insurance since we both dont have collision would we just pay for our own cars so i wouldnt have to pay for hers?