Oh, don't talk to anyone but the insurance company and/or your own lawyer. Don't say anything to her, her insurance company or her lawyer. Your insurance company and you are in the same boat. BTW, there is no reason she can't claim injuries after the fact, in fact its quite common, even in legit claims. Thats not to say hers is, but it takes a while for on e to realize that that's not just an ache, but a chronic pain and then to get a doctor to check it out. Oh and just accepting the check for repair does not necessaraly mean that she accepted a settlement for everything. Depends on the state. Oh and I wouldn't worry about it much, this won't cost you a thing. Oh and a thread about a lawsuit is a bad idea legally, I, or someone else can remove it if you want. IANAL and this does not constitute legal advice in any state.