Okay, regarding insurance, heres what to do.
There is a repairer in Fairfield who will do this sort of shit for you, ie, have their lawyers get the money from the girl for the damage.
They will make the claim through themselves, quote the work and then basically sue the woman for the cash. All you have to do is take the car to them and talk to them about it. I can't give you there name here, but they are a prestige auto body repairer in fairfield. They do extremely good work and will handle everything.
Also, if she goes to sue you, make sure you counter sue.
All this said, again get legal advice first so you know your rights.
BASS OUT