Getting some quotes wouldn't hurt, I guess, but just be warned that as you have no insurance, there would be no demand for compensation from your insurance company (if you had insurance), against her insurer, and ergo, no payment to you. The lady may have the best of intentions, but as well all know, insurers will not pay unless they have to.

I'm not trying to put a downer on things, just trying to clarify or be clear about it, cos I've been in this situation before.