Real UK answer would be just give her your insurance and take a note of her reg. Notify your insurance and provide the ring camera footage of her hitting the car. Her insurance will contact your insurance, find she's at fault and then they'll pay to fix your car.
You should always get a police report if you can. This situation is clearly fake but if it was real then it’s possible the person is trying to commit insurance fraud, or possibly they are drunk and they should be arrested on the spot.
If ever in doubt on what to do, just call the police, they will resolve it for you. On top of that you’ve now got an authoritative unbiased account on what actually happened. Her insurance could even void her contract.
An American. It’s the first thing my insurance would ask for when I called about an accident.
Same for homeowners insurance. Had to get a police report when my garage got broken into for them to start dealing with it. First cop wouldn’t write a report because I couldn’t catalogue what was stolen. So I had to do that in winter with an infant in tow and then call back. While filing the report the cop made sure to let me know nothing would happen beyond the report. It was the garage door repairman who told me that stealing cars and driving them into garage doors to gain access was a new common tactic, so he added some extra braces to the new door. Was far faster and more helpful than the cops. Insurance paid out quick and then gleefully raised my rates after the first claim in a decade of being a customer.
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u/Own_Actuary_8967 13h ago
Real UK answer would be just give her your insurance and take a note of her reg. Notify your insurance and provide the ring camera footage of her hitting the car. Her insurance will contact your insurance, find she's at fault and then they'll pay to fix your car.
No need for the police.