Two weeks ago I was driving, had just gotten off the freeway and was approaching a green light. As I did, the lady in front of me proceeded to slam on her brakes as the light had just turned yellow. I slammed on my brakes and my wheels slid. She jolted forward maybe two feet but my tires slid and I bumped her. There was one other person in the car, who sat in the back. I took photos of both her car and mine, but there was no damage. Both people in the car were also fine and there was no damage to property inside the car. We exchanged information, although she was quite rude and understandably frustrated. I calmly asked her for the information I knew I needed and left. She called 911 and then her insurance company while I was there. I just got a letter from our insurance company saying that over $1000 of damage was done. What do I do? How do I refute the, in my opinion, fraudulent claim?