Damn, you were nice enough to settle your dispute without ruining her driving record further, but she's still gotta be a bitch about it & care too much about what other people are doing...
Well, if she takes you to court, she'll be admitting fault for causing the damage in the first place. Therefore, you'll be able to file a claim under her insurance provider for the full repair cost AND her rates will increase anyways!!! I'd say let it happen. Is this chick blond by chance?