They're dummy sites setup to divert incoming munitions away from more sensitive targets.

She can name you on her policy and you pay the difference. Or you can contact an insurance agent/company and just tell them you are licensed without a vehicle and need insurance for if you need to use a car share (free2move) or borrow a friends / relatives vehicle. Hopefully you can rebound quickly. The pathway always gets easier to see when the dust finally starts to settle.

It's a grey line between harsh words and physical assault

Are you sure it's a skunk. It might be a pot toking rat.