whats to stop the lad in the car behind wasn't reserved into by the old guy? and the lad behind didn't want to make a fuss as there was no damage?

actually, whats to say the lad actually hit him in the first place?

the whole point in having insurance is to repair big damage, not for poncing about like this, tell him to jog on, or shuffle on or whatever he's using to move about now he's imobilised with chronic whiplash