Lady called the cops on me.

I’m hauling a load of lumber. A lady claims a piece of wood came off my trailer and hit her car. I look and the lumber is all there still stacked neatly. Trooper shows up climbs up top and says there is a cross out missing. I point out that several bundles are missing cross outs that doesn’t mean anything. He looked at me and said they probably fell off to. The lady told him my straps were loose. He walked down the load and grabbed all of them. Turns around and asked if I tightened them down before he showed up. He proceeded to say that because there is a cross out missing on the last bundle that it is probably true that it hit her car.
Now for the question. He did write it up, no tickets no inspection or anything else. Give me a report number and we parted ways. Will this show up as an accident on my MVR? I’m not necessarily worried about my insurance carrier right now as I’ll pay to have the ladies bumper fixed on her already beat up 2016 Honda Civic. But I’m concerned about this bothering my insurance renewal next year. I’ve not ever had the privilege of dealing with this in my career so I’m looking for a little input from some of y’all that might have dealt with something like this.

 

She didn’t have any evidence of any kind but an already beat up car. My plan is to fix her bumper. As long as she doesn’t try anything above and beyond a bumper. If she does I’ll tell her to kick rocks and call the insurance company.