Thanks for the support, everyone! So far, so good. The other driver has State Farm, and so do I. I have a police report and pictures. Should be pretty obvious what happened. My agent said to file a claim directly against her policy. I spoke to the insurance company yesterday and again today to confirm my version of the story. They're still waiting to hear back from the other party. She actually was a nice 19 year old girl with her little sister. At the time of the accident, she came right out and said she was so sorry, then called her Dad to ask what to do. Dad said to file a police report, and I agreed. So hopefully it'll be no more than a nuisance.