Just be cool man. She's not the best driver but it sounds like you pretty much started the fight and incensed everybody.
Most people I deal with, would be appologizing profusely and offering insurance information, but if you are aggressive on them, they will fight back and the husband has the right to protect his wife.
You are totally 100% in the right, but that doesn't mean it's right to call her everyname in the book. She is your neighbour, you know where she lives. She might have been late for something extremely important in her life. Yeah, it wouldn't have taken more than a few minutes, but shinguard happens in life and things just go bad when these things happen and people don't stay calm.
What have you got to worry about? The poor woman's humilated in front of a cop, the cop is the best witness you can have, and I'm sure you have insurance information now. In addition, they've been punished an extra $115 any other person wouldn't if they things hadn't escalated to the point where the police would have come in. You've also got a great story about a husband caught redfaced lying to a cop while you're vindicated. What else do you want?
Sure it's a new car and yeah, it may never be the same again (how bad is the damage?). Try taking it back to the dealer, sometimes, they agree to give you a new vehicle and they pawn the old one off to somebody else after it's been fixed.
4x4, how can you forget the catagory "was an idiot and hit somebody". I'm sure we've all had our idiot days and a few of us (me included) have had an accident on them. I for one felt terrible, miserable, guilty, and humilated all night for something I wouldn't do normally but I just had a bad day.
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