It won't matter. She is still entitled to the added value of the business if you got divorced. Also, these questions cannot be answered without knowing more about what business you are going into and the specifics. If you want to keep your own money, buy real property and don't commingle your assets after the marriage.
It is hard to tell you exactly of what your chance is of winning because the judge's tend to almost always believe the police officers, especially in NYC TVB. If you come across as truthful, and your pictures show the placement, you should have a meritorious defense.
Generally, different doctors have the opportunity to examine a claimant, such as a neuro and ortho. They could just be saying it will take three hours to allow you time to prepare a block. Additionally, it is very rare that attorneys take auto accidents to arbitration. However, if you sue, you will be required to undergo an IME.