First off, nothing is too small not to call the police. What i learned the hard way is if you get hit, and it someone elses fault, you always call the police. Now, this lady may tell the truth when you call her insurance agent. If she does you have nothing to worry about and her insurance will pay for everything even your deductibale. Also, if you ask her insurance for a small payment for medical they will make you an offer on that as well. So the best thing for you to do is call her insurance immediately and tell them what happened.