I wouldn't worry about the cops, but I'd definitely get some witnesses and their written+signed statements as soon as possible.
Normally you can interview them to ascertain their views, inform them that you would type up the statement yourself to that effect (because they won't be bothered to write it) and visit them afterwards to get their signatures.
Give this to the insurance or keep it to yourself until dispute comes.
If there is no dispute and she's a hottie, a hit back is fair game.
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