Uninsured motorist only insures your passengers for medical, if the other driver does not have liability insurance. You have to have collision to get your insurance company to pay for your car.
Try taking it to your local tech school that does auto body repair. I bent my door, and put a crease in my fender...total bill is less than $200 (plus the parts I got from the JY). They are also putting in a radiator core support, a wheelhouse, and some other odds and ends. Labor is free, because they are students. You only pay for paint and supplies. If the paint comes out less than acceptable, you could have it repainted by a professional.
I see a lawsuit in the making. The girl should get a ticket for driving without a license, and either reckless driving, or improper lane change. The girl and her dad should get tickets for no insurance, and you need to get an estimate for the lawsuit. Maybe they would give you the car she was driving, and the one her dad drives. Or, maybe they would replace your car with another one like it (you would then know what it is worth). Do not tell them if you get the tech school to do it cheap, because that would be considered enrichment, and the court does not allow that. You have to go after both of them...her for the accident, and no DL, and her dad for lack of parential supervision, and all the other things mentioned above. The father is ultimately responsible, for the incident, for allowing her to drive under the circumstances (or not keeping the car secure from her).
When you win, you can put a lein on anything they own, and you may even be able to attach their (the father's) bank account. Ask for court costs too. If they have nothing, you will have to get it on Judge Judy or Judge Mathis. They have a pool of cash, and the winner gets up to the legal limit in their home state.
