Footage from Lovell’s body camera was played to a jury sitting at Kingston Crown Court, in which Kerr tells Lovell: “Honestly, you guys are ... stupid and white.”
Prosecutor Bill Emlyn Jones told the jury: “The defendant’s comments towards PC Lovell left him shocked, upset and humiliated.
“He took offence to the comments that Ms Kerr made about his race because you may think that his being a white man really had nothing to do with anything.”
The prosecutor added: “Ms Kerr denied that she intended to cause PC Lovell harassment, alarm or distress.
“She said ‘I was just very angry at how I felt.’ She described the entire situation as distressing and ‘a heated moment’.
“Ms Kerr said that both herself and Ms Mewis were crying at the time.”
Kerr, who is of mixed race, last year pleaded not guilty to the offence.
Grace Forbes, defending, told jurors: “Nobody disputes the words that were said. But simple words, even words like these, do not make you guilty of a criminal offence.”
She added: “The words were a comment, however poorly expressed, about positions of power, about privilege, and how those things might colour perception.”
Kerr made her debut for current Women’s Super League champions Chelsea in 2020. She is currently out of action with a knee injury.