The cops usually have a say in whether it's a fraudulent claim too. I bumped a guy's car from behind last Fall. No damage, and i hit him at about 5 km / hr waiting to merge. I took pictures of all angles on his car from my phone with no damage at all, but he said it will have to be a few days before he can find out if he had whiplash. Low and behold, he made a claim against me, and the cops looked into it and told him to get bent when they found out there was no damage and it was 3 days afterwards.
I did go to my insurance company and report it though; you should to. You don't have to make a claim, but they can provide procedural advice for what happens in case you do want to go through a claim.
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