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First, be aggressive in representing that she was the liable party by calling her insurance carrier as soon as possible. Be a pest and let them know this will not go away. She may just roll and come clean. Second, investigate and document. Keep in mind that if she was pointing a finger at you on liability, she may come after you. Investigate the accident on your own as best you can and as soon as you can. Further, even though there were no injuries, some folks will claim latent injuries the next day or two, or even week later. So, take plenty of pictures of the scene and your car damage. Make sure you have the officers name and you get the report. Take notes about her statements to you, her physical appearance following the accident and statements on injuries. The police report may be worthless and usually is, unless the officer was a witness or took witness statements and names. In the event the report is purely he-said-she-said still look to see if he diagrammed the accident and noted skids, vehicle directions, etc. It may show in some way she was more likely than not the liable party. Third, if you can show she was more likely than not the liable party then you have a good basis to sue for damages to your vehicle if her carrier does not pay. Fourth, blue book value is a bottom benchmark for measuring value for standard passenger vehicles, but the true standard is fair market value or cash value, not blue book. Always shoot as high as you can on value that you can document for your car (receipts on mods, improvements, for-sale ads on similar cars). You can always bargain down to blue book. -My two cents.
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