Obviously, the police not only think you made a false report, but they think they can meet their burden of proving it beyond a reasonable doubt. You need to get a good criminal defense attorney involved right away. First, he will be able to request discovery in your case (i.e., the police reports) to help you figure out why the police think you lied. Second, if there is proof you were less than truthful and you filed an insurance claim, the filing a false report charges may only be the beginning of your legal problems. You may also be on the hook for making a fraudulent claim, which can lead to additional charges and a civil suit against you to recover any payments made.
DISCLAIMER: I am not your attorney. My response to your question does not create, nor is it intended to create, an attorney-client relationship. An attorney-client relationship is formed with John G. Gromowsky and/or The Gromowsky Law Firm, LLC only after (1) entering into a written legal services agreement and (2) paying the retainer or legal fees required by the legal services agreement. My response to your question is for informational and/or educational purposes only. By responding to your question, I am not giving legal advice. I am only licensed to practice law in Missouri and Kansas. The laws in your state may be different than in Missouri and Kansas. You should consult an attorney licensed to practice in your state if you are in need of legal advice.
Making a false statement to a police officer is a crime. You need a local Douglasville Attorney. Call me at 678-383-1690 or visit my website at http://www.napierlawllc.com. If for whatever reason I can't help you, I'll point you in the direction of someone who can.