It sounds as if the other driver's arrow turned green when yours turned red and they proceeded through the intersection properly. I come to this conclusion becuase the Officer issued you the citation and because THATS HOW TRAFFIC SIGNALS WORK in THIS COUNTRY!
Even if both signals were yellow YOU still struck the vehicle. It is only logical to assume her arrow was green. And when you have a green arrow YOU DONT YIELD to oncoming traffic. At a yellow
light when tuning when are required to yield at ONCOMING traffic only. You said so yourself that it was an "ARROW" she had.
I was not there, the Officer was the one that completed the investigation and cited you at fault.
Accidents are ACCIDENTS and thats what insurance is for. Explain your side to them and a judge if you choose, regardless you still entered a intersction on a yellow light, turning red. Same as running a red light, period.
"TO PROTECT THE SHEEP FROM THE WOLVES, YOU HAVE TO THINK AND ACT LIKE A WOLF"