Tapped someone at a stoplight going maybe 1mph — now they're claiming serious injury??

Ugh, I went through almost the exact same thing a couple years ago. Minor fender bender in a parking lot, the other driver was totally fine at the scene — laughing, on her phone — and then boom, injury claim a week later. It's incredibly frustrating. What I learned is that insurance companies do actually investigate these things, they don't just cut checks automatically. Hang tight and document everything you remember about how he was acting at the scene.

Did you actually get a copy of the police report? Sometimes the responding officer notes stuff about each party's condition or demeanor that can be really relevant here. Also — did your insurance company send someone out to photograph the vehicle damage, or are they just going off his photos?

So here's the thing from the inside — adjusters are trained to look at exactly what you're describing. Things like the amount of damage to the vehicle, the estimated speed of impact, and any witness statements or police notes about how the claimant was behaving all go into evaluating whether the injury claim is credible. Low-speed, low-damage claims get a lot of scrutiny. That doesn't mean they disappear, but it does mean your insurer isn't just going to rubber-stamp it. Make sure you told your adjuster everything you remember about how he was moving around at the scene.

Just a heads up — don't assume your insurance company is fighting this on YOUR behalf. They're managing their own costs, which sometimes means settling fast even on sketchy claims because it's cheaper than litigating. That settlement could still affect your rates. Stay involved, ask questions, and don't just go silent and let them handle it without you.

Write down everything right now before details get fuzzy. How he moved, what he said, whether he mentioned any pain to the officer, the condition of both vehicles. Photos if you still have them. That's your paper trail. Vague memories won't help you later.

I'll offer a small counterpoint just so you have the full picture — soft tissue injuries like whiplash can sometimes feel fine immediately after the adrenaline wears off and then genuinely hurt 24-48 hours later. That's a real thing. BUT it doesn't mean every claim like this is legitimate, and the degree of injury claimed should still match up with the mechanics of the crash. Just something to keep in mind if this goes further.

Not legal advice, but worth knowing: low-speed impact cases with questionable injuries are genuinely contested territory. Courts and adjusters both look at things like the biomechanical plausibility of injury at a given speed, vehicle damage, and witness accounts of the claimant's condition right after. If this escalates, an attorney who handles these cases can help push back. Many do free consultations.

That sounds so stressful, I'm sorry you're dealing with this. It really does feel unfair when you're being honest about what happened and someone seems to be exaggerating. Hope it gets sorted out without too much more headache for you.