My Partner Had A Wreck In My Car & the officer was inappropriate on top of things. 
I am very sorry to hear about your partners rough morning ! I am glad that she and her passengers are ok . Unfortunately , I 'm sure that you have a pretty good idea of what the worst case scenario will be - she is an at fault motorist involved in an accident , she is not an insured in your car , your insurance company refuses to pay , and you are stuck with the repair bill , and she gets a ticket . It may work out that if you go to court , and she is able to prove that the other driver was at fault , that you may be able to file a claim against them , and maybe recoup some of your losses . Your best bet is to contact your agent , explain what happened , and ask for their advice on how to proceed . Good luck ! If there is any way that I can help , please feel free to contact me . Thanks for asking ! 