This sister needs a lawyer. First, the car was on Kingdom Hall property. Second, a representative of the congregation took it upon himself to move the car. Third, I don't buy the insurance company's excuse that the sister was not driving the car, insurance is on your car, not you.
At the first meeting with the lawyer the sister should ask for an opinion letter on what her rights are and what the responsibilities of all parties involved are:
1. Her insurance company.
2. The elder.
3. The congregation that the elder was representing on the night in question.
I know the way my insurance company works, if I have a claim, I make it to the insurance company, if the insurance company feels that there are other responsbile parties then it is up to them to go after those they are holding responsible.
If the insurance company has to pay the claim then THEY will go after the elder and the congregation.
If the insurance company is not liable then both the congregation and the elder are liable. The lawyer should send letters to that effect to: 1. The elder, 2. The PO of the congregation. 3. The city overseer.
In the lawyers letter he should mention the brush off that the elder gave the sister.
If the elder has insurance, his insurance may cover the accident. My insurance covers any car I drive.
The scriptural admonition not to be taking each other to court does not apply to matters like this. Also, getting a lawyer to press someone for your rights is not the same as taking someone to court.
If the insurance company is not liable then the congregation has to make this right as the elder was operating on their behalf. They won't of course, which is why the sister will need the lawyer.