You have to keep in mind that there are injuries that you couldn't tell yet right at the accident scene how serious it is. Sometimes, it would take a few days for the victim to be feeling the pain and suffer from the injuries she has incurred. OR it could be that you have been a victim of a staged car accident and point all the blame that you have caused the accident to happen, thus, you have to be liable for the injuries, pain and all that have resulted from the accident. I have been caught in the same situation as well. ONLY I was a victim of this staged car accident. It was my lawyer from californiaattorneyhelp.com who was able to determine I was a victim of this staged car accident and that man just incurred "injuries".
So you went smashing into this nice ladies car and messed up her bumper. Now your calling her names because her neck hurts? Let your insurance handle it and hope that her neck feels better soon.
Whiplash and the like usually doesn't appear until days later after an accident. The body first goes into shock, then at rest the problems arise days later. What would your stance be if someone rear-ended your sister or your mother, or your grandmother??
Why would her airbag go off if you hit her in the rear?