Hit by a bus, am I screwed?

Probably not. Barring evidence that you backed into her, such as a witness or video footage, it is on her to support allegations that you damaged her car.

Blushes You could get me into some real trouble, my dear. Chocolate, I can do, however. I seem to remember you also enjoy…coffee! I expect a mailing address in my inbox post haste. :wink:
The care package will be sent on behalf of Appreciative Dopers, so as not to needlessly raise suspicion. Let it be known that the Doper Appreciation Club is hereby established.