My friend does not want to make an insurance claim because she has had multiple wrecks and she was notified the last time that the insurance company would drop her if she made any more claims. I wrecked her car due to unfortunate events where a random person entered her vehicle and demanded that I drive. So, I drove and hit a large concrete flowerpot causing major damage to her car that night. The random guy got out and took off. The police charged me with wreckless driving. My friend is saying that she will sue me for damages if I don't agree to pay for repair. Does she have to claim this on her insurance or will I be liable for damages? Her car is not paid for. I agreed to pay the deductible but, I cannot afford to pay for the total costs of repair. Also, I was her DD that night
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