Guys (and Amazon Doll), thanks for the responses, really, I appreciate all of them.
Just reading the above responses and yes, she is a habitually BAD driver. WAAAAY too fast, all the time, regardless of weather or traffic. Im an aggressive driver too, but had one accident in my life at 16y/o. She's crashed 1 bikes and 3 cars in the last two years. I mean totaled them!! And yes, aside from that, she's a smart, vibrant girl...she's my sunshine and a great asset in my life.
Well, it looks like the upshot is that I made a call that some would have made. But on the practical side, it doesn't work for her.
Someone talked about age, and this is a function of her age and mine. She's 21 and I'm 37. This is not what I usually do, dating much younger women, but it just happens to be her age. At 21, this may have felt like a legitimate emergency to her. At 37, to me, she's crying wolf. So, she and I disagree. In the end, I'm not her father and I don't need to teach her anything. She'll learn in time what "emergency" means.
But I'm gonna take your advice and do something nice with her this weekend (we were already planning something). I wont apologize, because I feel she is blame shifting. But I'm not going to let it spin out of control over pride or right and wrong. I have flaws too and I'd hope for a little leeway as they arise and I endeavor to correct them in myself.
But, this has opened my eyes. Ill give her a chance to change her habits and Ill try to be more compassionate on my end. If she cares enough about herself and me, she'll change how she drives. But I love her and I can't get that call one day that she's gone. Ive had three calls in 6 months...she can't be lucky forever. And I can't be around for the one that is almost inevitable as things stand.
Thanks again, everyone.