Mass Mayhem

In most states, avihng a single dollar in bodily injury payout results in an accident being surchargeable (i.e. it can cause your premiums to go up). Most states also have a minimum PD (property damage) amount before an accident is surchargeable. Rest assured that your insurance carrier will do everything it can to pay only what it owes with regard to your accident. The adjusters are trained to discover pre-existing damage and damage that was caused at the body shop; they will scrutinize bodily injury claims that don't make sense. One thing you need to know is that 30% of your insurance premiums go to paying for insurance fraud and if you had such a low-impact accident that there is no damage to your vehicle, it's possible the person you hit is exaggerating the severity of his/her injuries. At this point, there's nothing you can do with regard to their claim; it's up to the insurance carrier to determine if there is anything fraudulent about the accident. Before they can deny a claim, they also have to be able to prove beyond a reasonable doubt that the person is committing fraud. You can get a second opinion on your own damages, but your carrier is responsible for the other party.

jajaja