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Yes, she can still contact your insurance company. In the states, parking lots are usually not covered under traffic laws. She could get a police report for the insurance company, but the police couldn't write your wife a ticket or anything.
Personally, I'd pay the $1000 but BE SURE TO GET IT IN WRITING THAT IT'S PAYMENT IN FULL. You don't want her coming back in a year saying her neck hurts.
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