Originally posted by rams78110
So a couple months back in early July,
That's within the statute of limitations in every state. All are >=1 year, most are >=2 years. She could sue you for the damages still.
Originally posted by rams78110
We just split a couple days ago and she's pissed I ended it so she starts sending me threatening messages saying I owe her $1000 for her car and I better just give her the $1,000 or she's taking me to court.
The question: Do I have to pay it?
You owe me $1000.
Originally posted by rams78110
Edit: Legally, do I have to pay it?
Let her take you to court. She'll find that $1000 is a prohibitively low award and that she very likely has not documented her case well. $1000 is an obviously made up estimate - you need legitimate evidence if you intend to prove someone owes you any amount of money.
Originally posted by rams78110
Would her insurance still be the primary payer on repairs?
If she has collision coverage, she could file a claim, in which case yes it would be.
The issue is whether or not you are forced to pay, because otherwise she has to come up with the solution. Reporting at this point would most likely be a bad idea for her (not that you'd care much) because the deductible would be half the cost of the repairs, which are cosmetic only, and her premiums would increase for several years.
If she only has liability insurance, she'd have to pay out of pocket, which she should do anyway if she cares enough.
If you have collision coverage and are forced to pay, your insurance could cover the damages also. For the above reasons, this would probably be a bad choice for you.
$1000 is not a worthwhile claim. The point of auto insurance is to keep you from declaring bankruptcy if you badly hurt someone, not to fix dents.
Originally posted by rams78110
Since the insurance already looked at both cars and the insurance already paid for the other guy's car long ago, has the window passed for getting hers repaired and me being on the hook?
No, there's usually no limit on claiming damages to your insurance assuming you were covered when it happened and whether or not she can pursue you for damages is determined by the statue of limitations in your state, which I covered above.
If I were in your shoes, I'd tell her to suck a fart.
I'm not a lawyer.