Other party’s insurance keeps calling me, now they claim I am injured when I am not?

I’m getting constant calls from the other party’s insurance, and now they’re claiming I have injuries when I don’t!

I was in a minor fender bender—my first accident in ten years with a spotless driving record. The other driver, a man who doesn’t speak English and owns a luxury black SUV, also runs a chiropractic business and appears to have a comfortable life. Meanwhile, I’m struggling financially, working at a grocery store, and I’m disabled.

The incident happened when we both attempted to change into each other’s lanes at night. I used my mirrors and turn signals, but somehow we collided at a very low speed. His SUV sustained a dent on the front driver’s side quarter panel, while my truck had a scratch on the passenger side. Both vehicles were drivable afterward—no airbags deployed, no tow trucks called, no injuries reported. He was following behind me and made a move to merge into my lane just as I was doing the same, potentially ending up in my blind spot.

I called the non-emergency police number as advised. The other driver wasn’t helpful; his sister yelled at me over the phone and threatened me with an $8,000 claim. I tried to remain calm and suggested we let insurance handle it. I took videos and pictures for documentation.

The officer who arrived issued me a civil lane change violation and deemed me at fault, even though I tried explaining my side of the story. Not wanting to argue, I paid the ticket, which I realize now may have indicated I accept responsibility, although I believe it should have been considered a 50/50 fault situation.

I immediately contacted my insurance the next day and completed all required paperwork; however, the other party seemed slow to do the same. After a month of back and forth, my insurance concluded that I was 100% at fault, despite an earlier opinion of 50/50. Now, the other driver is claiming he has severe injuries and is seeking $80,000 for bodily injury, which is baffling given that there were no airbags deployed and no ambulances on the scene. It seems strange that he reported this two weeks later after the accident.

The police report confirms there were no injuries, which I hope supports my case. The officer explicitly stated that since everyone was fine and no emergency services were needed, we could go on our way after filing some paperwork.

Fast forward to a month later, I received another call from the other party’s insurance. They claimed my insurance wasn’t cooperating. I pointed out that my insurance just spoke with them and assured me I was under no obligation to talk to them. My insurance told me they had just been in contact and to let them handle it.

Yet, I just received another call from the other party’s insurance. The representative was accusatory, insisting that I don’t have coverage and am not cooperating. When I reminded him of the previous conversation my insurance had, he suddenly asked if I was injured, referencing a report that said otherwise.

I was frustrated and responded, “Talk to my insurance. There were no injuries reported at the scene. And your party threatened me, claiming I owe $8,000, which is really unsettling. I’m just a broke woman with nothing to give. Please communicate with my insurance.” I hung up afterward, concerned that I might have messed up by saying all that.

Why would the other party claim I’m injured when I never reported any injuries? Is this a tactic to make their case look stronger? Am I in trouble for pointing out the absence of injuries? My insurance claim confirms I wasn’t hurt.

This situation is unnerving. I’m letting my insurance manage it, and if I get more calls from them, I’ll simply hang up or direct them to my insurance like before. I know to avoid providing statements to the other party, but it feels like they’ve pressured me into saying something wrong this time.