I think you'e going to have to roll with your insurer's instincts on this.

They have information exchanges and such like between companies to deal with true fraud - deliberate set ups on multiple occasions.

OTOH if your suspicion is just that the 3rd party is 'over egging the pudding' then it's going to come down to medical evidence.

If qualified medical opinion is that there is whiplash injury then that will, in my view, be rightly accepted by the insurers. How well does the car hit protect against whiplash ( look at NCAP site, some are dire) ? What was the existing strength of the other driver physically ? Both of these could affect the effect of a minor bump. In my opinion, for what is a relatively minor claim it would not be sensible to pursue further with unpredictable consequences.

Edited by scot22 on 04/03/2014 at 11:42

I think many, possibly the majority, are and agree with the implication of the question. Its not only in cars - too many people will hype up situations to try and legally, or sometimes not, get their grasping hands on more money. This is a very unfortunate development in modern society. Your personal experience is a very clear example of the philosophy of the past - honesty without exaggeration : of course, there are still many people of integrity ( apologies for previous generalisation, not good ). My post was intended, and intentions are not always clear, to present an alternative picture of the situation. The OP, I think, should avoid escalating the situation

Edited by scot22 on 04/03/2014 at 12:29