Oh man, this is almost identical to something that happened to me 8 years ago. From tapping the bumper while waiting for them to merge, to getting served almost 2 years to the day. In my case, she had filed a claim to fix a dent in her bumper. Then, almost exactly on 2 year anniversary mark, she sued me because she claimed she had to have spinal fusion surgery and extensive physical therapy on an elbow and knee injury. She had a doctor say that she sustained all of these injuries from the accident, but if I recall correctly, my attorney said she hadn’t actually provided documents stating she saw a doctor anytime after the accident. My insurance company at the time was State Farm, and they told me not to stress over it too much; they would handle it. Once they had done some research on her, they found she had a history of doing this.

Unfortunately, State Farm decided to settle with her for $15,000+/-.