lady hit me while i was parallel parking, didn't respond to her insurance company so now im liable for paying for all my damages

Not sure if this is the right sub but as the title says! I was in Denver trying to parallel park when i noticed the lady driving toward me way too fast, and swipes the front drivers side of my car, damaging the wheel/axle and tearing the side view mirror off. i was not moving. we exchanged information (she was unlicensed but her dad insured the car) and managed to get a claim open with their insurance company (SafeCo, Liberty Mutual). sometime a week later, the claim adjuster told me since the liable party hasn't responded to the claim, they cannot move the claim forward and i am now liable to pay for all my damages that she caused.

isn't that... not right?? if i total someone's car and just don't respond to my insurance company, im in the clear? it's a little fishy because she was unable to move her car since the wheel had been pushed into the body, did she not contact her company to try to get it fixed? or pay for the towing?? what can i do about this? i talked to a lawyer and he said since i wasn't injured there's not much i can do legally.