OMG toddy, i'm so sorry. I mean its good that you dont have to pay BUT its def her fault, esp for driving w/o a license (suspended) i dont know HOW they could've awarded her money...let alone $20K.
Well all in all it is in your favor, you dont have to pay and your premium wont be raised.
im jsut so sorry you had to go through all of this. my heart goes out to you!