Keith
Let the insurance company sort it, they have people who are employed to route out bogus claimants... and with all this No Win No Fee stuff around these days, sounds like this woman has seen an opportunity to screw some money out of your insurance company.
Worst case scenario is your insurance goes up a bit next year, but as insurance is so competitive these days just shop around for a better quote.
I do think the fact she wont let her car be inspected is well dodgy though, I bet when it finally is inspected it will look nothing like it did on the day of the accident.
shame you never snapped any pics on your phone.....