• BUT

    Be cautious before concluding injuries are only transient or minor.

    You don't know yet how your knee will feel for years to come, and how that might affect you. So +1 for full documentation in case it does need to escalate. If you are fairly sure that you have no serious personal or bike injury then full credit for dealing with it informally. Yes bad drivers need "educating" but we all pay insurance premiums - and the companies tend to wade in and make everything more hassle for everyone.

    +1 for this. After my ped crash my shoulder has never completely healed and I never asked her to cough up for medical at the time.

    She never paid anything eventually, but that's another story...

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