without going to the merits of the case, these are my thoughts. (di pa ako lawyer, ha)

reckless imprudence resulting in damage to property is a crime that is punishable by a fine up to 3x the value of the value of the property. there is no jail time.

the resolution that the family received is probably a resolution from the prosecutor's office that they've found reason to believe an offense has been committed and a criminal charge should be filed. the bail figure might be just a recommended amount. yung judge ang may final say kung magkano dapat.

i'm not sure what the contractual agreement is with the insurance company when it comes to this situation (check the contract), but definitely she can't escape the charge on the sole basis that she has comprehensive insurance.

but here are some suggested courses of action:

1. if your friend is in another country then the court cannot acquire jurisdiction over her and the case can not continue. i really doubt if they'd even extradite her over this. it's not the best thing, but she can choose to do nothing about it.

2. the best thing is to get her own lawyer to represent her. unfortunately, this will entail cost. any decent lawyer can have this case dismissed if he can show the court that the damages can be shouldered by the insurance company.

3. you can talk to the insurance company. it is in their interest to resolve this because they may be liable for whatever fine and damages that may be awarded by the court if the case continues. they might agree to use their own lawyer to represent her in the case.

from a bargaining stand point, i think if the complainant realizes that the accused is no longer in the country then they'd think twice about continuing the case dahil wala na yung hinahabol nila.

the request by your friend's insurance company for a certificate of non-claim is a reasonable one to avoid a double compensation for 1 accident from 2 insurance companies. sana dapat ginawa na lang ito nung kabilang party. affidavit lang naman ito.