First off this is hilarious because you're Asian and therefore a bad driver. Just want to get that out there.

Judging from your responses throughout this thread you sound like one cheap, greasy fukk who is trying to weasel his way out of paying for his mistakes. Good for you, I'm sure that kind of approach in life is what has left you unable to pay a $400 debt. Fukking loser.

People have given you plenty of advice that you should be taking, instead you're escalating the issue with her by being a giant cowardly stiff. You're probably stupid enough to have sent her a text saying you will pay for damages, you just need more time.

Tell her to get 3 quotes and then drive over and meet her with cash and an agreement ready. Look over the 3 quotes, make sure they look legitimate, and then pay her after she signs.

Oh, and try not to hit anyone on your way to meet her you stupid bastard.