Its always good to get the cops involved. If it ends up in small claims court the judge will ask for the report as proof. Otherwise your word against the owners. This no license lady could dissapear and the owner could say heck no to repairs and then you are SOL. I see this happen to many people once an estimate is submitted. Idiots think cars can be fixed for a 100 bucks.
I hope the owner does the right thing for you. Good luck! let us know what happens!