Explain, please.?

My mom totaled her car. This woman turned right in front of her and she was definitely at fault. She even admitted it was her fault. There really isn't too much damaged to our car but according to the insurance company my mom's car is totaled. And not only do we now have to get a new car but the insurance companies are telling my mom that if my mom hadn't out on the brakes to avoid the crash then it wouldn't be her fault at all. But I mean how does that make any sense at all? Then it would have been a worse crash and we would have definitely gotten hurt. Then the insurance company tells her that since she hit the car right on the side of the bumper she could have swerved in to the other lane to avoid the hit. And, once again, what kind of messed up logic is that? Because if my mom were to have swerved into the other lane then that would have caused her to bring another car into the accident and this hit would have probably been a head on collision.