Blood is Thicker Then Water.....Right??

Thats the famous quote that I hear all the time...But Im having second thought about it... Last night I went to a car club picnic ( car clubs are big out here in chicago..and my cousin is in the chevy impala club) So we were having a good time chilling...eating..all that good stuff. So right when we was about to leave my guy cousin asked us did we want to ride with his car club that nite... (side note) When car clubs right they go through stop signs..stop lights..and they ride in a straight line. and THEY DONT LET OTHER CARS THROUGH...remember that So picture this..its a car in front of me..my girl cousin is the car behind me..and my guy cousin is in the car behind her...this other car who isnt in the car club starts zooming in and out of the lanes..hitting his breaks..all that other crap.. We get to a stop sign and the car who was driving all crazy cuts the car off thats in front of me...the car thats in front of me hits his breaks hard..Then I hit my breaks HARD..but i end up bumping his car..nothing bad tho just a slight bump At that moment my friend who was in the car with me says " Thank God you only bumped him" BAM I **** forward and hit my head on the steering wheel. Next thing I know I hear screaming..I jump out my car and its my girl cousin..her air bags deflated and she had her newborn child in her arms walking up and down trying to calm him.... Then I look at my car...its fine......but hers......is UNDER my car..he whole front is under my car..I pull my car up..and off top of hers and her whole front is SMASHED in..my car has a dent in the back..and in the front from where i hit the car in front of me when she hit me... We both are covered by insurance...full coverage...but I have a 500 dollar deductable..meaning if something is wrong with my car..I have to come out my pocket 500 dollars and insurance will pay the rest... I just got my car fixed..i just put 500 dollars into it with brand new tires..and wheel alignment..**** change..air conditioner..everything i needed because I just found out I CAN TAKE MY CAR TO SCHOOL WITH ME. My cousin on the other hand was irresponsible...she wasnt paying attention and THATS why she hit me. Now she's a single mother..she lives with our aunt because her step father put her out because she's a wild child..and she has a 4 month baby boy..and NO JOB... But thats not my fault right?? And I need my car fixed right?? So Im thinking of file'in a claim against her insurance..which...will make her insurance SKY ROCKET... So is blood really thicker then water?? My mother has said she wont pay for my car..my father said he can do half..and i can do the other half..which will leave me broke. And with only 300 dollars in my banking account. Is blood thicker then water? Should I file a claim? Or should I suck it up and pay for the damages myself??