similiar thing happened to a buddy of mine, i was in the car when he tapped her, after she had already rearended someone else, etc. etc... my buddy was just trying to switch lanes to get around her since she was completely stopped in the middle of rushhour traffic instead of getting over and he nudged her. well, since he was last in the line of 4 cars, he got the blame i guess. funny thing is the first car in the lineup pulled over to the side, got sick of waiting, and drove off finally without any complaints, any damage, anything at all. the next two cars were two ladies who got out and talked, went to the police station to file a report together after the HP had come and gone, all this shady shit. Like 2 weeks later my buddy told me this lady claimed her neck hurt and she was sueing (she's the one that rearended the other two... my buddy just nudged her trying to get around her own damn accident).
His insurance company told him she had a past history of doing this with his own insurance company, so they knew right off it was fraud. Insurance Co. ended up settling out of court with her, said it was cheaper/easier than persuing it.