As to the statement being hearsay. I was referring to her statement. If she testifies obviously her testimony wouldn’t be hearsay. If she doesn’t testify, her statement would be remain hearsay (as far as a trial is concerned). I presumed the op would be the one suing so obviously he could have his statement admitted at some point.
As a reference point, I hit a guy walking in the road not too long ago. My mirror hit his arm. No bruises, no scrapes, no broken bones, no torn muscle. He went to an urgent care facility the next day and said his arm was sore. They xrayed and found nothing. They prescribed advil and some muscle relaxers. The insurance company paid him $6500 - and that was their first and only offer (he accepted).