Wtf? What was the cops there for in the first place? They're supposed to get her insurance info on the spot. Then you could've just dealt with them and not even mess with the driver. Get your copy of the police report to validate and give a copy to the insurance company and the driver doesn't have anything to say about it. Small claims court is the way to go, no lawyer needed. Just you, the driver and judge. There should be a county courthouse nearby. It's where you go to renew vehicle registrations, transfer auto titles and get married. Go there and talk to a judge.
Ernest