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Reply to anonymous @ 10:47 GMT

Because most insurance companies will firstly assume you will submit an injury claim and as such question you regarding your injuries, if you clearly state you are not injured and wont claim then that will be recorded on your file, so if you at a later point decide to claim this will be mentioned.
Its not really rocket science :
Insurer: Sir/ Madam were you injured as a result of the accident?

Claimant: No injuries to me or my passengers we will not be claiming

Insurer: We can help with any injuries and provide the necessary rehabilitation

Claimant: I'm not injured and will not be requiring your assistance

Insurer then logs is still expecting some CMC to change the claimants mind, until the telephone recording is used against both and the claim is quickly dropped

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