Her car was completely fine (I have video and picture proof), my gf's hard had a chipped grill from her hitch hookup. The moment we pulled off to the side of the road she was complaining of severe neck pain and a migraine and went to the hospital. The cops didn't ticket me and concluded that the crash was 5mph or less (she told them I was doing 50+mph). Took a bunch of pictures and exchanged our information. I called the insurance company and they said not to worry about it and if she files a claim they'll get in touch.
Sounds like something very similar that I went through 20+ years ago. Only difference was the person in front of me was on his cell phone (more rare those days) and didn't notice the light change. I usually wait 2-3 seconds before I give a very quick friendly "hey, light's green" honk. They started going quickly (to catch up), so I started going as well when they slammed on the brakes despite the light still being green. It was all pretty quick and we were probably between 10-12 mph before the brakes and my brake reaction was enough that I wasn't even sure if I hit him.
He gets out all pissed off (and still on his cell phone). I didn't have a cell phone, so he either eventually called the police or a passerby did. This was my first (and last) accident so I was hardly an expert on how to handle this. This was not the days of cell phones for all with smartphone camera/video ability. We didn't move the cars at all.
Cop shows up and the first thing he says is "Are you sure you guys actually hit each other?" The other driver pointed to his damage. The cop said something like "I can't see what you are pointing at." The other driver insisted there was damage. I asked the cop "so I gave the other driver my insurance info. I've never been in an accident, and I'm not even sure I am in one now, but is there something else I should do?" The cop told me "I don't even see any damage. At worst, this is a few dollars repair just so they feel better." Now the other driver was not making any complaints about neck pain. In fact, they were very animated.
We left, I did what you did (but no ability for pics of video at the scene). Insurance company told me they'd contact me if something came of it, but probably nothing will.
A few months later, my insurance company calls me up to do an interview in the middle of my work day. I tell them the story, but can tell by their questions my story is not the one they've been given. Suddenly, this guy acts like he was in a 40 car pile up. His job at Sizzler (no joke) has been compromised from the pain. So I ask the insurance interviewer "but there wasn't any visible damage and the cop even said this." Interviewer told me "oh no, there's lots of damage." So I said "what? The police report should straighten that out." Cop just put that Driver "A" claimed damage. But left it at that. There was no comment that the officer did not see damage (probably to cover his ass) or that Driver B saw no damage.
This was also the days where e-mailing a color picture was not that easy. It took the insurance company repeated hassling by me to even get the pictures that were turned in, and they were black and white xerox copies that were hard to even figure out what I was looking at.
I also then decided to ask for a copy of the police report. My problem the entire time was the damage was completely fabricated. And the cop couldn't remember anything except what he wrote, which was minimal. I started asking "why didn't the cop describe the damage on the report. Because he couldn't. Because he said he didn't see any."
Now you have the advantage with the ability to produce timedateGPS stamped pics and video.
So right off the bat, you are in a much better situation. Because the big problem for me was the amount of damage claimed. Now, I would be more vigilant at the accident scene. Demanding a police officer to provide as much detail as they saw on the police report.
I guess this cop filled out the minimum because he thought it wasn't even a real accident. But that backfired when he had to recall one of thousands of stops months later.
So you are doing well with the *modern* tech these days. However, I would request the police report now (or as soon as possible for new accidents) so that you can dispute any of it while it is still fresh for the reporting officer.
Better yet, hover over the officer and keep repeating the facts you think should be in the report.
My thought then was to be easy going and cool about it, but unfortunately that hurts you in the long run.Take some time to type up what your account and what you think might be asked just in case that interview call comes and catches you off guard
(which is always the case). If you haven't already, send the pics and video to your insurance company.
They don't need you to sign off on a settlement (learned that too). So everything supporting your case is important now. After settlement, it is just crying over spilled milk.
You are in much better shape than I was because of the vid/pic capability. Don't let it get overlooked and you should be fine. Remind them (because not everybody knows this) that your pics have meta data with timedateGPS. That helped me tremendously about 6 years ago when I sued somebody else because they refused to pay for services provided. They claimed the company wasn't there, so I broke out a blown up pic with Time Date GPS stamp and some video proving otherwise. After that, I could tell the judge looked at the defendant as an unreliable witness.