Kissed rear-end(ing) by a stranger on Valentine's Day

[Fazbaz]

As some have said I'd check your wheels are in line and the back one's still round. I've never seen a frame crack with a 2- 3 mph impact and if it did I'd advise everyone to sell their similar pish poor build quality bikes 

If you report it to your insurance company your risk status will increase.... You are now more likely to have a claim in the next 3 to 6 months.

Your choice... might be worth asking her to pay you for a qualified mechanics time to check it out but realistically if the headstock snaps off in four months you're gonna have other things to worry about rather than trying to prove it was her fault.

Baz