It sounds like I am making this up, but accident 2 (or was it 3?) was exactly like that. The vehicle in front stopped quickly (rush hour traffic). I stopped quickly, noting the driver behind me slamming on his breaks. I could see the nose of his car sloped down. I thought of getting as close to the vehicle in front of me, to give the guy behind more room to stop. As I thought this, I also thought, a couple of inches, even a foot is likely not going to help. I stopped my car with about two feet of distance, between the head vehicle and me.
I was hit hard enough to shove my car under and into the rear bumper of the lead car. The rear of my vehicle was now slightly on top of the car behind me. The nose of my vehicle was slightly under the rear bumper of the vehicle in front of me. We were able to cautiously, but easily, untangle the mess and safely pull over. Everyone started exchanging information and appearing to be in good health. Near the end of exchanging information, I asked is everyone feeling OK? All of a sudden the lead driving started complaining about her neck, but didn’t want to call for a medic. After a short discussion about calling one, all three of us went our separate ways and insurance took over.
Later, my insurance carrier called to ensure everything was finalized (or maybe to get information). I made a comment that everyone was looking normal until I asked about feelings of good health. I told my agent that I thought she started acting at the point of my question. Sure enough, the girl was claiming injury. It went to court. She was found guilty of attempting insurance fraud. I don’t know what happened to her after that.
I was not found at fault at all. Maybe because I was completely stopped, before being struck by the vehicle behind me. Then again, no one asked me to prove it. Since police were not called, I didn’t have a policeman’s statement regarding tire marks to prove my vehicle was stopped. Maybe I am just lucky someone didn’t take it there.
About filing a police report. You can still file one after the fact. Matter of fact I recommend it. Tell all the information you have learned. As for the soft tissue injuries thing… I have no idea.
Vincent Wilcox (a.k.a. KRAKR)
My band: Letters Make Words