It's not idiotic, it prevents frivolous claims and scams. Either way you don't start handing people money because they say they got hurt when you tapped their bumper, assuming that's what happened.
Get all the details from them, tell them you'll take all the information to your insurance company and make a decision. You'll know right away if it's a scam. If they have doctors visits, repair estimates and the like then you can decide how to proceed.
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