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The loan is still owed by whomever signed the note, but if you and your friend had an agreement to share the cost then that is enforceable by you as to her share.
The ticket is the responsibility of the legal owner.
If she has nothing then you are correct, it is likely a waste of time to get a judgment against someone you have no hope to collect against and it just becomes an expensive lesson.
I realize this is probably not the answer you were hoping to receive. Also, please remember that this is not a moral judgement on my part. As a professional, however, I am sometimes placed in the position of having to deliver news which is not favorable to a customer's legal position, but accurately reflects their position under the law. I hate it, but it happens and I only ask that you not penalize me with a bad or poor rating for having to deliver less than favorable news.
Request a hearing and present that to the judge.
It should not have an effect on your insurance premiums.
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Presumably, a ticket would be left on the car, but if it was to be mailed then you could presume you would get it within 30-45 days.
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