Back up and pull off the road near the nerd girl

You pull onto the shoulder and then back up until you're relatively close to the nerd. You park and walk the rest of the way back to her. She's gotten out of her car and she's got the trunk open.

"At least you didn't bust the latch, asshole," she says. "You put a good dent in it though."

She's got short, scruffy hair, thick glasses, and loose, shapeless clothes, but now that you're both out of your cars, it's obvious that she's a chick.

"So how do you want to pay for this?" she asks. "Either hand over your insurance info or hand me a fat lot of cash."

She holds her hand out to you.