A few months ago, a woman accused me of hitting and running her car in traffic. She and a police officer were waiting for me when I got home. She agreed to drop the hit and run charge but wanted me to pay for her damages (the police officer made us exchange information, even though I had no damage on my car and there was no witness). I decided to call my insurance company (Geico), because I was concerned it was a scam. They were super helpful, and conducted measurements on both cars that demonstrated that my car could not have caused the damage in question. They determined they would make no payments and if the woman continued to press the issue, that they would go to arbitration, but that there would be no fault ruled against me/my driving record. Not sure how much of this applies in your case, but perhaps it’s worth letting your insurance company know what’s up.