i was in a 6 car shunt 2 years ago, i was the front car, i stopped, the 6 cars behind didn't, my car needed minor cosmetic work, but the car was pretty undamaged. at the scene and when leaving i felt fine, but the whiplash i had got didn't show up until about 12 hours later, was getting headaches, stiff neck etc and it got really bad. ended up with 6 visits to the oesteopath. took some time off for it etc. only claimed for what i had to pay for.
sometimes things don't show up at the scene.
it may not be a money grabber