I live in Texas and while driving my car in my Neighborhood, I came to a stop at a stop sign. The other driver slowed down and made a motion for me to proceed. He did not have a stop sign. This is a common practice with me and other neighbors. I have given other drivers the I have gotten the same for others. After I started moving he proceeded to speed up and continue through the intersection where the front left fender of his car hit the left rear bumper of mine. He insisted in calling the police. When the policeman came, he wrote a report that did not lay blame and no tickets were issued because he admitted that I had stopped. I presented an expired insurance card, but the policeman wrote the incorrect dates in the report. The other driver reported that I had stopped then pulled out in front of him. I was willing to pay for the repair, but in conversations he told me that the damage was about $3100. I looked up the value of his car and the blue book value was about one third to one half of this amount. He refused to take his car to a body shop where I had had some work done previously and had purchased a car some time ago. Not my present car. He refused and proceeded to hire lawyer who told him to report the accident to his insurance company. I don't know what has been done since, but the adjuster has told me that he claimed physical an injury and may be seeing a chiropractor. I smell an insurance fraud.

I only "smell" insurance fraud if he's not injured and the chiropractor is lying and/or committing fraud.

I'm an insurance investigator and need a little more detail. You had a stop sign and he did not? You stopped, he waved you through (for whatever reason), you proceeded, he drove into you?

And you didn't have insurance?

In NY if you are in an accident and a stop sign is involved - and you have the stop sign - you are at fault. A reasonable person would question why someone would wave you through, let you get almost entirely through the intersection and then drive into you. Only he knows his reasoning.

Otherwise this is a matter for insurance companies - yours and his.

Yes it is hard to tell. I was "bumped" one day, not even enough to put a dent on my car ( at least a new one I could tell)
Well guess what the next day, I had trouble getting out of bed I was so stiff..

Next of course they don't have to go to your repair shop, but you could have asked for several estimates.