Here's my 2 cents then:
First I take it that she binned your bike and not her own.
Is it fair to make her pay for that?
I would say no.
As an inexperienced rider should you be teaching others to ride in any case? If so, this is on a 'your risk' basis. Unless you have insurance to cover for learners to ride on your bike (which you will not have) then insurance cover is out too (oh - there is always fraud if you are comhrehensive - but I would not go there ... )
The one exception to you taking full responsibility for you to lend your bike to someone without the skills, experience etc. to handle it would be this:
In advance you had a frank discussion outlining that any damage would be at their expense.
If this conversation did not happen (except maybe inside your head) then its your issue and you need to deal with it.
Sorry if this sounds harsh, but if this came up before me for arbitration this is the way it would go.
Motorcycle songlist:
Best blast soundtrack:Born to be wild (Steppenwolf)
Best sunny ride: Runnin' down a dream (Tom Petty)
Don't want to hear ...: Slip, slidin' away, Caught by the Fuzz or Bam Thwok!(Paul Simon/Supergrass/The Pixies)
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