She can certainly file a complaint and you will need to defend the charge. It could be a problem and a restraining order could issue. It doeesn't sound like harrasment actually occurred.
Rather than continuing ask about insurance, yopu can file a lawsuit against her for the damage. You will then legally be able to get any insureance information through discovery. A court will then harass her for failure to produce the documentation if she has it. Your insurance company may handle this if you ask them to. In the end you will never get satisfaction from this woman without going to court. You should inform the officers that the woman had expired insurance. Driving without insurance is a violation in Texas.
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All comments are provided for informational purposes only. A local attorney should be contacted for specific legal advice.
Attorney
OH/TX Practicing Attorney focusing on Family Law, Foreclosure, Landlord-Tenant Issues.