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You should talk to a lawyer about suing. If she doesn't have any insurance, that's the only way you're going to get any money out of her.
If you sue and she still doesn't want to pay, I'm not sure what the law is like in your state but I am assuming there are different methods for ensuring you receive your judgment.
You could probably have her wages garnished, or have her property siezed (like her car).
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