so what are my chances of beating this

okay to preface i’m 17 and currently pay 1.5k every 6 months for insurance with state farm. I got into an accident this morning (minimal damage and no injuries, but I was at fault ) and the cops were called. Sooo, the cop cited me for careless driving since I was going 5 over with wet road conditions, stating I should be going 50 in a 60 during this. At the scene, the cops, my mom and dad, and the girls dad all made sure she was okay and not hurt. Today, we find out they made a claim and included something about injury (which makes absolutely NO SENSE because there is practically no way i’d argue for her to be injured based on the damages and how it went down. (cop estimated around 2k in damage)

In addition to this, in the moment I told the cop I was going 65, but had braked before impact WHICH i clearly did based on damage and how it’s done. I was behind her, but there was ZERO damage on my front bumper except on the side I scrapped the wall to avoid her. The only part that got damage on her side was a small dent and paint transfer (on my car) so like I skimmed here whenever I did the maneuver to avoid a full on rear end. Infact I did not even feel an impact of the car, like I didn’t get thrown around or jolted forward and this is evident by airbags not going off on neither party. This is so BS, the injury claim because I genuinely believe there is zero way.

Anyways, if anyone works in this industry and deals with these situations on people making claims PLEASE DM or respond so I can DM showing you the images of the crash and all that. I wanna know if my case is realistic to disapprove any type of injury so my insurance can fight this.

Thank you!