I was involved in a similar situation in MA. I was backed into in a parking lot causing considerable damage to the rear quarter panel. Also, at the time, I was only carrying liability. Now just because you only have liability, does not mean that your provider will not assist you (and you do not need to file a police report). Contact your provider and make a claim. You'll then need to do the dirty work and contact her provider and make a claim as well. Let them know everything that happened in explicit detail. Since she hit you while turning, she should be found 100% at fault. After you speak with her provider, they will speak to their client and will try to verify fault. If they find her to be 100%, congrats you're all set. You'll need to go to one of their assessors where they will verify damage and offer a settlement. If she is not found 100% at fault, let her provider know that their decision is not acceptable and you are prepared to take them and their client to small claims. Good luck!