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Car insurance question regarding friends car?

(This is in Ohio). My friend let me drive her car when the roads were kind of bad due to weather. At an intersection, the light turned yellow, and I began to slide on the ice. I had control of the car, however, if I would have continued to slide straight I would have been hit side on by the incoming cars coming through the intersection. Instead, I had to turn the wheel and I hit a pole. No damages were done to the pole, any other cars, or people. Unfortunately when we took the car to an autobody shop, getting an estimate without the use of insurance, we got an average cost of $2,200. There's NOT that much damage on the left bumper to make the cost so expensive. Both me and my friend are insured, however, MY insurance company is saying it's her car, so her insurance has to pay for it. How will this work? If I ask her to pay using her insurance, I don't want her to pay any out of pocket. I would pay the deductible. Will this hurt her insurance, or my pocket? Any other good ideas? Thanks so much.

   








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