Dude, you got scammed.
The average price for a street bj is $20. Sex is $40-$50. You shouldn't have to get yourself hard. She should take care of you from the start, and she puts the condom on (usually with her mouth).
She shouldn't be able to insult you since her mouth should be full as soon as you park the car.
Also, never negotiate before she gets in the car. Have her get in the car and then talk. Ask her to show you something a cop wouldn't show you. If she opens her shirt there is a good chance she's not a cop. If she refuses to get in the car, or won't play the game before you say what you want then it's a cop. Pretend you were just going to give her a ride and drop her off ASAP.
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