Just an alternative experience to bear in mind...
I was driving my van a few years ago to collect a huge Christmas tree (another story for another time
) and my wife was driving our car following me, my son in the baby seat of the car was 6 months old at the time.
We were stopped at some traffic lights on red when some daft cow in a new shape mini approached from behind and crashed into our car. After the obvious discussion and exchange of details she left and we hung around to let my wife settle her nerves. She had seen my wife in near perfect condition although pretty annoyed obviously.
10 minutes later and she couldnt drive, we had to call an ambulance. It turned out to be a genuine case of whiplash that went on to cause months of pretty stressful pain and inconvenience for the entire family, regularly hospital visits, physio etc etc.
The other driver complained that we were taking the pi$$ and had no signs of whiplash at the time. All I can say is that it genuinely occured and it took a good 10 or 15 minutes to even show up.