But if they do file a claim against my insurance will my rates go up due to the accident being on record?
Actually, according to my agent, rate increases due to accident are based on a monetary threshold of payout and number of incidents determined by the company over a period of time. So, one fender bender costing $500 might not trigger an increase. A second a month later, though, costing $600 (this figure is arbitrary), might bring you to the increase level.
Additionally, even though she is blaming you, her insurance may go up if you file a counter-claim for the damage done to you, especially if this is not her only recent accident. It appears she doesn't get that, unless the claim is settled entirely in her favor, she too has something to lose. Actually, if she has a history of accidents, even not at fault, insurance can cancel coverage due to being high risk.
May the damage be a Kapparah.
Have a good Shabbos,
Pearl