Uninsured driving costs an extra £15-30 on your insurance premium, and it's cheaper to pay £1000 insurance premium than it is to pay for a persons injury, vehicle damage, storage and credit hire, solicitors fees and disbursements.
In regard to a low speed impact, you've still hit the person in front, and a claim on your policy is a claim even if it's £5 or £50,000. If someone claims for an injury an independant medical expert provides a report, so although they do tests to see if someone is making an injury up, if the expert states that on the balance of probability they've suffered an injury then it's hard to defend.
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