One of those times I kinda like alberta's soft tissue cap scenario... (Mind you I don't agree with how it's handled and applied - but I agree with the principal).
I once had a little bumper hump in vancouver - basically no damage to either car (my front bumper had a scuff - hers well kleenex took care of paint transfer) - one of those I almost stopped in time scenarios... ICBC awarded her something like 80k in damages - close to 5 years later... That was awesome let me tell you...
For all the times I've been rear ended - I've just let it be, as really other than a stiff neck for a day or two, never had an issue... But damn - would have been a nice chunk to put on a mortgage