I see. So you didn't change your answer after seeing those last two videos. My expectation failed. The experiment failed. :-(
I'll give up and give my reasoning, then...
The first of the last two videos shows soldiers driving a jeep in complete darkness (per the description section of the video), and the reason they can see enough to drive is because they're using infrared. The person filming them is also using infrared. See the relationship between that and the lady driving at night? Many people mistakenly drive without lights at night, so that provides a hint that she may have hit such a driver, and it's more likely that driver was driving by infrared, since on a dark road with nobody around, a driver would be more likely to notice that they didn't have their lights on, therefore something else must've been going on.
I wondered if the military were test driving vehicles at night, so I looked up Algonquin, Illinois and found that the Great Lakes Naval Station is 26 miles away from Algonquin. That's not particularly close, though, so I admit that coincidence wasn't very convincing.
The main problem with the conjecture that she hit somebody at night is that she still would likely have seen or heard such a vehicle as it came along beside here. That's where the invisibility comes in. If the military were combining both cloaking with infrared vision--both technologies we now know they have--and testing those by driving at night, then the explanation is quite simple about what may have happened: such a military test vehicle hit her car. Her car may have been hit by accident, or it may have been a "hot dog" driver showing off how close he could get, which young military pilots like to do. (https://en.wikipedia...disaster_(1998))
One reason this explanation fits so nicely is that it doesn't require any UFOs, aliens, or other speculative things, only existing technology that most people don't happen to know exists. It's much more comforting to believe she was hit by a military vehicle performing a road test than to believe she collided with an invisible UFO! Why wasn't any paint left behind? Possibly because the cloak insulated the military vehicle.
I'm not going to tell the moral yet since if anybody enjoyed this little mystery, here's another mystery they can try...
(1) Watch this video: https://www.youtube....h?v=pZ_hcQFdVQI
(2) Answer the following question: What do you think the driver really saw?