1. Transio, as usual sir, well said.

2. Scott, my dog eats its own poop.

3. Both myself and my wife have been victims (nearly) of similar scams. She had a "swoop and squat" accident with a carload of people, and I had a bum throw himself in front of my M3. Sometimes people just assume that by driving a nice car, you are capable of sharing the wealth (not like I really had any, the M3 was the only thing that I owned at the time).

In my wife's case, AllState's insurance fraud division sniffed out the truth pretty quickly. In my case, I smelled a scam the very second "lawsuit" came out of this derelict's mouth. I'll leave the details out, but I will say any accident of this nature should be taken as someone's attempt to get a payday.
It may not always be the case, but it's better to be a jerk than a victim.