As far as the cop and the insurance:
Here's the thing... She's driving without insurance. (Maybe even without a license) So she will be arrested. However the paperwork, dates, court, all the stuff will take time. He told me that if she agrees with me to pay the damage, they'll pursue the midemeanors another time so that I can get your affairs sorted out right now without the hassle of court dates, lawyers, etc.... Which for me is good considering I spend more time at work than I do at home every week. Maybe he was lazy? Maybe he was just working the system for me? I don't know, but that was the deal he laid out for me.
And as far as my insurance goes - I'm on my stepfather's policy (I actually signed the car over to him... Long story) and I'm out of state. I'm not quite sure if she has uninsured motorist coverage. So I'm waiting to hear from both her and the police before I claim anything.
