So so true. You only have to look at YouTube for the scams and silliness.
What was said at the scene of the accident is completely irelivant. What you put on paper or say over the phone as a statement of evens to your insurer is ALL AND ONLY what is taken into account.
Put simply unless she tells HER insurance that she backed into you then they will find in her favour.
If she doesn't the. You need evidence by way of CCTV, dash cam or a witness.
Without any of these then it'll go against you and no amount of protesting will make a difference.
Sry to be the barer of bad news, I speak from experience.
My situation was that a car in front of me had stopped blocking a T junction, being friendly the guy in front reversed back to let a car out as we were sitting at lights, he didn't look behind him and hit me.
Decent bloke exchanging details and all his fault etc.
on paper, he said that he stopped and I didn't.
Put yourself in the seat of the person at your insurance company, having heard all strange excuses in the world ... Yours won't be the first nor the last but, yet again, with out evidence you'll lose this one buddy.