Had a scrape last year which caused minor damage similar to that.
Pulled over and was stationary (leaving my back end out slightly) to let a learner drive get past in a country lane, - he scraped his car all along the trailing edge of my driver's side my rear wheel arch on the way past. Didn't bother stopping after making first contact - just powered on through
Exchanged details and went through my insurer - wish I had swallowed the cost of repair my self now.
Third party gave a false account of the incident - said I came around a corner and clipped him. Provided only vague details to his insurance company along with grainy b/w photos of damage (I asked to be provided with their eveidence). My insurer said as there were no witnesses or dash cam footage then it was my word against theirs (fair enough).
Not interested when I pointed out the only damage to my car was to the trailing edge of the drivers wheel arch. How could it possibly cause damage to three areas of the side of the 3rd party's vehicle if my car was in motion. It would break physics. Ended up having to pay full excess for what was essentially a paint job on the wheel arch - there was no impact damage only scrape damage (actual cost charged was over 1k!)
Anyway, like for like replacement cars where offered, a top end BMW or Merc. Both automatic and neither of which I felt comfortable driving so I declined them both - so no more like-for-like insurance for me.
That was 10 months ago and last week I received a letter from my insurer that they had just received the damage report from the 3rd party's insurance and that a 50/50 liability was the outcome. Premium is up - obviously - but NCB is fine.
So next time I'll only use the insurance when there is some major problem and not just a paint job.
Oh - and a dash cam.
You just don't know what kind of person you're going to run into - or pull over for.