I do not know how close you are with her and I would not want to start a family feud but I would buy a new one and present her with the bill and ask for half. I also would never loan her another thing. I would have asked for it back way before that time though. Even with family members I trust I always ask for things back after about a month or so just because of that. When I do loan things out I also tell them you break it you replace it. But you do need to speak up.