just call her insurance, if she changes her story or if the insurance doesn't want to pay. i think you have 2 options, 1 is to take her to a small claim court, 2 , is to file with your own insurance and pay for deductible and get it fixed and later hope that your insurance will surrogate it. but since u did call the cops at the scene , which is the wisest decision you made, i think it will be almost impossible for her to change her story. i think her insurance will pay your easily , just call them. btw, did the lady think it was her mistake and gave her insurance info to you?