UK Help! Car + Sofa crash = ????

So today I got to my car after parking it at a friend’s house. A woman had reversed her car into it with a sofa hanging out the back. My insurance company says this is an unrecoverable loss and I will have to pay my excess as it was the sofa that hit it, not the car. It’s going to be expensive so I can’t pay it out of my pocket. Anybody out there handy with any of this stuff that could point me in the right direction? Many thanks

submitted by /u/Mwtrs26
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