Ms Kerr was with her partner, West Ham midfielder Kristie Mewis, when the incident allegedly happened.
The striker has previously told the court the driver took the couple to Twickenham police station after she “spit vomited” out of the window of his vehicle while Ms Mewis smashed the rear window as the driver had locked the doors.
At the station, Ms Kerr is alleged to have become “abusive and insulting” towards PC Lovell.
At the court on Thursday, Ms Kerr was asked by prosecutors if she was using PC Lovell’s “whiteness as an insult”.
She responded: “No, that’s not what I meant.”
Prosecutor Bill Emlyn Jones KC said to Ms Kerr: “At the moment of expressing your hostility to him because of what you thought was his stupidity, you also chose to show hostility towards him because of his whiteness.”
To which Ms Kerr replied: “That’s not what I meant.”
Mr Emlyn Jones replied: “It’s what you did, isn’t it?”
“It’s what I did, yes,” replied Ms Kerr.
In reference to her calling PC Lovell “stupid and white”, the prosecutor asked Ms Kerr: “What did his race have to do with anything?”
Ms Kerr replied: “I thought it was him using his privilege and power over me because he perceived me to be something I’m not.”
Later, she added: “I was trying to express that they would never, because of their power and privilege, ever have to experience what we had just gone through, in fear of our lives.”
