also, do they report your car damages to the police when you get an appraisal?

I read-ended another car at an intersection. Both of us were stopped at a light. When the light turned green, the other car started moving and immediately slammed on brakes. In the meanwhile, I had taken my foot off brake and hit the car (at < 5mph). The other party has filed claim for $1350 for damages and also for "unknown" amount of bodily injury. There is not even a mark of any collision on my car (as the speed was low). My insurance company has agreed to their claim related to damages and is waiting for the exact amount for the bodily injury claim. This has been quite unfair to me and will definitely bump up my premium like crazy. Is there any way I can challenge my insurance company's appraisal of the damages ? Are there any other alternatives ? What kind of evidence would I need to furnish for the same ? We had called a "Cop" to report the accident. I wanted him to note that the impact was at < 5mph. However, he refused to do that saying that this would be left to insurance Well... Folks, thanks for the answers. As I said earlier, I am not denying that I was at fault and neither is it my intention to ignore the impact on the other car/driver. The other party had actually contacted me to settle this privately and we had agreed for me to hand out a certain amount. The day I was going to hand over a check, I just happened to call up my insurance agent and learnt that the other party had reported the accident 5 days ago. So in worst case, I would have still paid the check and also had gotten an acci. reported against me. Shady dealing like this on other party's behalf and knowing the speed/magnitude of impact makes me believe that the other party is just trying to extract as much as possible out of this. Again, my car had absolutely no damages (even minor). So it is difficult to believe that the damagaes to other car are worth $1350 and bodily injury is completely out of question. (People dont get injured if another car TOUCHES their car) Arhhh... Pathet

It won't be good enough to go through a catalouge and guess what tools are what and estimate a current selling price on my own. This is for a legal issue.

I am a Bodyman but I want to do auto damage appraisal for a major insurance company. how do I get there from here?