You're still okay. If she gives you CASH - no check - that will cover the estimate, and your body shop says the estimate is FIRM, take the cash ... but I bet it will be over her $500 deductible. She either doesn't know that, or she wants to keep it off her insurance for other reasons. If this DEAL does not go through, report it to your insurance, and get her insurance too, as hers should pay. No need to call police; they rarely issue a ticket/report in a parking lot.