Lindy

OK, here is some "on topic" advice. Instead of asking on this forum, have her (she should do this, not you) actually talk to an attorney in that jurisdiction. He/she should be able to address your friend's concerns pretty easily. Of course, some lawyers will say that they can beat anything, even if they can't. That could leave her paying a fine, a lawyer, and losing her insurance.
Secondly, she or her husband should talk to a "risk insurance" agent about getting insurance with a different company. She will probably need to change. The State Farms, Allstates, and GEICOs of the world don't want to insure "unlucky" drivers, and I don't blame them. Insurance companies evaluate their risk based based on history, since they can't see the future. Your friend's history is (regardless of reason) expensive to the insurance company, whether she really is just unlucky or inattentive, or whatever, they are justified in uprating, cancelling, or not renewing her policy. But fortunately there are companies that specialize in insuring inattentive, careless, and unlucky drivers.

Having said all that, even if the cop was "out of jurisdiction" he had a duty to take action when he saw driving that presented such a clear danger to other traffic. Nearly everyone speeds at one time or another, myself included. But driving 94mph in a congested urban area at rush hour is absolutely indefensible. I-90 in Cleveland is not the same as I-90 in South Dakota.

By the way, her bad luck may already be changing. I think she had a sudden episode of very good luck not to be charged with willful reckless.
Lindy