wait a minute. You didn't have rental but you went and got a rental and expect your insurance to pay for it? Did you get an ok/authorization from the other ins company?
Sounds to me like your going to be out unless you do file small claims and I will tell you right now your wasting your time. If they don't show you win by default, they get a notice to show cause, if they don't show then you have to take them to the mat Larry. Full on capius, have it served by a deputy, and try to do it so it's on a Friday afternoon. They can't do #^&#^&#^&#^& for the whole weekend because theres no judge til Monday. The only thing your ever going to get is heartache and the satisfaction you won. They don't have to pay you, they can tell the judge they can't afford more than $1 a week and you got to live by what the judge/magistrate says. Write everything down, keep VERY good docs and have fun.
I had a guy arrested about 10 years ago on a Friday and he did sit in jail for the weekend. Judge wasnt too happy but I got paid
If the $$$ involved is over a certain amount I'd bet dollars and donuts you can go to the police and complain she didn't file her accident report then she's is going to get in trouble with the registry...