Oh, my stars! With both Sally and Tom working, there is no reason for you to continue to pay the insurance premiums for those two young drivers.
For the cost of repairs, you could get a whole “new” different car. That’s just not right. :o[
Both of my kids were out of the house when they began driving. My son had a license since he was 16, but my daughter was afraid to drive. When he was in the army, my son was assigned to the Motor Pool, and when my daughter was in the navy, she was the Duty Driver. In Italy. What a place to learn to drive!
I’m charging Tom his full bill plus the deductible, but I’m charging Sally only about half, since she also does some driving for the Organization.