Dane Cook was right

[consciousthirteen]

Alright so now I'm just confused. I was reading that if I report it to my insurance, I will have to pay the deductible, and because my car was moving, not parked, that all I can do is sue her for $500 tops according to the Mini-tort law to basically cover the cost of my collision deductible. Is this correct? Someone please enlighten me.

AFAIK, that is correct. You will pay a deductible and you can get it back through small claims. You already filed a police report. If that gets back to the insurance company that's all you can do. You can have her just pay the repairs but good luck getting that done....She could just not answer her phone or get back with you on handling it. Just suck it up and tell your insurance company and have it fixed.