If it does come down to going to court/small claims court it will help you if you start taking good notes now. Write down all people (driver, cop, LBS, etc.) you had contact concerning this (phone numbers, date, time, etc.) and a brief description of what was said or happened. Contact her again about her insurance but be very very polite. It will benefit you if can show that you gave her several opportunities to try to compensate you and she refused each time. Again, be very polite and non threatening. You don't want to scare or hound her so she can later claim you were some sort of threatening stalker.

Also, pretty cool that the cop gave you a ride to work and that in your head you're not giving up on the biking. I hope your bike gets sprung soon.