I'm from Colorado my neighbor drove my vehicle; I was the passenger, she backed up into a legally parked truck. Her name is on the accident report, not ticket was issued. She now does not want to help repair the truck. I do have a non-owners insurance driver only policy. I would like to know who is risponsible the driver or the owner of the vehicle. I'm considering taking her to a court so she can take care of this matter. Thank You.