Even if its minor the Victim has a lot of hassle
- going to insurance
- going to police
- going to garage

and possibly hiring a car while yours is being fixed.

Its massively inconvenient and at some stage it will cost you money.

I got hit a couple of years back by an idiot on a mobile who crashed into the cars that were waiting at the traffic lights.

Luckily i had a friend who could lend me a car