Well I didn't lend it to anyone. She took the keys while no one was home and took it for a drive around the block. When she went to park it back in the driveway, she hit the gas by accident and hit the house, freaked out and backed up and hit a tree (only after hitting my brother's car as well).

That sucks about only getting a fraction of what you were owed. Doesn't it suck when you are the nice guy and it comes back to kick you in the face?