*Mods, if this is in the wrong spot, please move to appropriate location, besides the rubbish bin

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Situation...
My mate's car was hit by some silly woman who doesn't know how to park. Apparantly, and I haven't seen the damage first hand, but it's a fair ding, some paint blemishes and some marks on the alloys. Originally, she said she would pay for damages, and that she needed three quotes from three different panel beaters. Right, no problem.
Problem...
She's rung him today and said that she doesn't have insurance. Now, you guys have heard this all the time on the forums, and some very clever things have been said. What I'm thinking is that she does have insurance, just doesn't want to ruin her perfect record and Rating One. It sounds to me that she is trying to back out of paying...
Comments...???