Just to add, I was driving by a car that was in a lane that was ending and for some reason, didn't see me driving next to her. She started merging over and forced me into some construction barrels scraping up the side of my car. We didn't call the police nor the insurance and she paid me cash for my damages after me getting an estimate.
Another time, I was backing out of a parking spot, a guy didn't see me and backed into me as he was backing out of his spot. I never called my insurance. He called his and paid for my damages.
One time, I was parallel parking and gently scraped one of the cars next to me. I was at fault, and I called my insurance and got everything handled. The guy didn't need to call his.
A couple of years ago I rearended a lady. I was at fault, I called my insurance and they handled everything. She never called hers.
The way I look at it, she has a police rpt, so if this person is trying to scam her all she needs to do is call her insurance co and fall back on the police rpt for evidence. Let the at fault party handle it and if they try to screw her over, then involve her insurance. Why involve extra people if you don't have to?