Seriously man, you *really* need to stop talking to her. She's going to give you excuse after excuse, then she's going to refuse to pay. By then, good luck dealing with her insurance company.

I just came out of a 14 month *hell* with a insurance company. Trust me. It's *not* worth dealing with her. Talk to her insurance company, and if they jerk you around one bit, talk to a lawyer. I really wish I would have done that last year..