totally do that!!
the insurance company will scare the crap outta her coz they will persue her not her family..
and then she will get busted.. hopefully... take pics of the damage and if u have any witness/s to what she did, put it in writing and yeh....
then its all good.. and claiming this on ur insurance wont effect the premium coz its not ur fault so its all good.... and it saves u having to fark about with her and stuff...