If it is a wheel bearing you can find out which side by pitching the car back and forth (slalom like) as you drive down a deserted road. The noise will be louder as the affected bearing bears the weight of the outside of the turn (if my description is comprehendable by anyone but me). That will confirm it for you. My guess is that it is the wheel she hit. It only makes sense  . Hope you are able to claim it and make sure they replace the hub as well or any future bearings will go bad just as quickly...good luck! 
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Pearl '92 LS-L 179K (Historic 1st 5-speed SVX)
Mods: 5-speed, 4.11's, Group-N motor mounts, dual Magnaflows, cone air filter, Kenwood MP-228 CD/Receiver, white-faced gauges, '97 grill, custom window tinting.
Ebony Mica '92 LS 80K Oct 2002 - Dec 2004: Victim of theft. She served me well.
You can tell the lack of craftsmanship by the wrinkles in the duct tape.
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