Cousin wants me to lie for her

So last month my cousin went out of state and left her car with me and said i can use it. I went to a job interview and when i finished i was backing out from behind and supposedly this girl that was crossing said i hit her. She was not even on the floor. Mind you she was on her phone and i was backing out. The back camera on the car doesn't work either. She made a whole big deal and took a picture of the license plate so i left. Few weeks later my cousin said that her insurance company called about a person that got hit, there is no police report and there were no cameras in that area either. I told her that i was backing and did not hit her because she was on the phone while crossing without looking. She told me that she told the insurance that i drove her car without her knowledge and she wants me to lie to the insurance when they call me and say that i drove her car without her knowing and she doesn't want me to tell them that she was out of state during that time because she doesn't want her premium to go up. Wth.