We are sorry for the trouble you are going through. Although we don't fully understand the abbreviations and coverage you are listing, we will try to answer your question.

If one car is covered with physical damage (Comp and Coll) and the other car is not then it would matter which car was being driven. If she was driving the car with physical damage then she would likely have to pay the deductible on that claim, but there typically is not a deductible for a property damage liability claim on the other car. This is all dependent on your state and policy coverage amounts.

If both cars have physical damage then you should still have one claim where one vehicle would claim under the collision portion and the other would be classified as property damage liability. In that instances, you should only need to pay the deductible for the portion that falls under physical damage coverage (unless your state has a separate deductible for property damage liability).

It is not really up to your insurance company adjuster, but rather up to the verbiage in your policy contract. Some policies (states) define an incident as a single occurrence while others define it as a per vehicle occurrence.

If you comment with more information (state and list all policy coverages and covered vehicles) I may be able to update the answer with more relevant help. Please read our related answers, you may find your answer.

If the amount of damage is $1100 and the deductible turns out to be $1000 then it is probably not worth filing the claim with your insurance company.