has the
police confirmed that the other driver has "no inurance/ no full licence " thats if it has been reported to the local "constabulary " ......? .... or is the other party saying , "off the record " ,.,,, that they di not have any insurance ? ..... they may have insurance ,,,,,, but are saying that they dont ,,,,, so it becomes awkward ...... for you.... id you are in contact with her ,,,, maybe a letter , suggesting you will issue a county coury summons against her ,,, if she does proovide insrance details..... see what her reply is ?