Someone scraped up my bumper a few weeks ago and the damage is minor but she said she would take care of it. I got an estimate from a repair shop and it is $425 to fix. Her insurance agent mentioned she might choose to pay for it herself, which leads me to believe her deductible is $500 or over. Well, two weeks later and there is still no response. I called her agent and he said he hadn't heard from her. So worst case scenario is she won't pay. What do I do then?