Not a simple question really, not in this day and age. I have personal experience in a situation much like this and I am surprised she was not charged with a criminal misdemeanor hit and run.
If you do not want to involve the insurance companies, that is up to you, but you really need to have a police report that has your side of the story and hers, and if you have an attorney, make them aware of the incident.
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kabel
Orlando - 99 BMW M Coupe (autocross toy), '11 Mazdaspeed 3 (dog hauler), '99 10AE Miata (the new daily driver)
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