Well I'm hoping she still had her accident forgiveness when she had this at fault accident. That way it won't affect premiums.
It's a sucky situation but it's best to move on and learn something from it. Yet another person who will forever hate dealing with insurance companies.
Now the more difficult part happens, finding a replacement vehicle (likely she has her heart set on another BMW X3). With the borders pretty much all closed and the selection so limited here in NB your wife might be without her car for a while longer.