Flashbacks to my days as international autoclaims adjuster. Brits are top 10 most annoying (bad word with C here) honestly. lol
But yeah same - I've done damage accidentally too - was too tired and didn't pay too much attention, brushed a neighbours front end with the side of above-mentioned FIAT, left a note and he called me; we had a cuppa and chatted, filled out a protocol for insurance saying I'm in the wrong and that was that hahah. No idea what they get out of being problematic or just flat out rude for no reason tbh.
I worked for a personal injury solicitors for years mate and I`d say that anywhere up to 80% of the claims, were inflated or in the case of personal injury, were non existent.
Which was why I`d never claim, unless there was a real genuine reason - proper injury and damage.