They allegedly agreed it would be "no more than a few hundred dollars."
Ms. Polk claimed Ms. Wilson never got out of her car at the accident scene.
She also said Ms. Wilson never called the police.
Ms. Polk sent a text message to Ms. Wilson.
In the text, she allegedly wrote, "you got greedy."
She claimed Ms. Wilson then went and got estimates.
Judge Judy dismissed Ms. Polk's claim about a payment plan.
She stated Ms. Polk "didn't" offer one.
Connecting the Defendant to Vandalism
Judge Judy challenged Ms. Polk to connect Ms. Wilson to the vandalism.
Ms. Polk mentioned the voicemails again.
She reiterated that Ms. Wilson threatened her.
Ms. Wilson allegedly said she had come to Ms. Polk's house.
She also allegedly said she knew where Ms. Polk stayed.
Ms. Wilson confirmed, "I know where she's staying."
Judge Judy pressed Ms. Polk to connect Ms. Wilson directly to the act of vandalism.
Ms. Polk offered to show the voicemails.
Judge Judy declined to hear them for that purpose.
She stated that voicemails about knowing where someone lives do not prove vandalism.
Neither Ms. Polk nor her witnesses claimed to have seen Ms. Wilson vandalize the car.
The Uninsured and Suspended License
Judge Judy shifted focus to Ms. Polk's insurance status.
Ms. Polk was uninsured at the time of the May 3rd accident.
She finally obtained car insurance on July 9th.
Judge Judy found it unusual for an insurance company to insure someone with a suspended license.
She contacted the Ohio Bureau of Motor Vehicles (BMV).
The BMV records showed Ms. Polk's driver's license was suspended.
Her license was suspended on July 22nd, 2016.
This suspension occurred after she obtained insurance.
Ms. Polk explained the suspension was due to unpaid fees.
She claimed that once she made a payment arrangement, her license would be restored.
She stated she had called the BMV about it.
Judge Judy asked if her license had been reinstated.
Ms. Polk admitted, "No, my license has not been reinstated."
Driving with a Suspended License
Judge Judy then asked Ms. Polk what she was doing driving in October.
Ms. Polk had claimed she was driving her daughter to school.
Ms. Polk denied this, stating her daughter "didn't have a wife to school."
This admission of driving with a suspended license in October was a critical point.
It severely damaged Ms. Polk's credibility.
The Dismissal
Judge Judy immediately dismissed Ms. Polk's case.
Ms. Polk attempted to speak further.
Judge Judy cut her off.
She explained Ms. Polk's actions.
Ms. Polk drove a car without insurance.
She finally obtained insurance two months after causing damage.
Her license was suspended in July.
She continued to drive despite the suspension.
Judge Judy stated that courts do not reward such behavior.
She reminded Ms. Polk that she also gave a wrong phone number.
Ms. Polk again denied giving a wrong phone number.
Judge Judy concluded by stating, "We're done."
Outcome of the Case
Velvet Polk's case was dismissed.
Judge Judy did not rule on Jeannette Wilson's counterclaim for $1,000.
However, she strongly implied that Ms. Polk was responsible for the deductible.
The dismissal meant Ms. Polk received no judgment against Ms. Wilson.
The court did not provide assistance to Ms. Polk.