I was in a car as a passenger a couple of weeks ago. We were hit from behind abd thankfully the driver saw the other car charging up behind him and booted it onto the grass verge minimising the impact.
Very light damage to the back of his 5 day old Audi. He called his insurance company and when he mentioned rear impact the lady said " oh right, so you will be claiming for personal injury then. This is why insurance is going up. Until the law changes its going to continue.