I am not familiar with the law in Oregon, but in Texas there is no direct action against the at-fault party's insurance company. Instead, the cause of action lies against the at-fault party. Her insurance company owes her a contractual duty to indemnify her up to her limits for property...
I realize that it is too late, but for the sake of completeness on this unfortunate topic, you can purchase an agreed value policy and set the replacement cost at the appropriate amount. In the event of a casualty loss, the insurance company must pay the agreed upon value. Chubb Insurance Co...