A lot of this depends on the extent of the damage, whether there were witnesses, etc., but if it's been this long without a claim being filed the question remains: why is she bringing it up now?
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She'd have to show injuries else there would be nothing to sue for.
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Stop worrying. Pick up the phone - immediately - call your insurer. This is why you have insurance. They will investigate the claim. If it's legitimate they will pay it. Otherwise they will defend it. Note that the failure to report to your insurer will mean they will not pay, so call today.
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