Insurers and those trying to defraud them (rather than us) are just playing a rather large game of poker here aren’t they?
Few people have a nut hand being bet into, so they’ll just push and probe around trying to find any area where the punter isn’t 100% sure, and then go for the throat.
There are even some rather nasty malware internet scams that operate on the “fear” principle that “you’d better just cough up, and let them con you, otherwise you might be in trouble with the law!”
The most likely scenario for this of course would be the racist card being played. Some bod hits you, drives away, no damage done. Next day, a big claim comes in including whiplash, leaving the scene of an accident, reported to the police thus… "
but sir, if you’d just cough up to our full time fraudster here, we’ll say no more about it whaddya say?"
Back in the late 90’s, there used to be some foreign websites that could be for anything from rentacar to booking airline tickets that when you went to the “site”, you got what is now known as a “drive by download” virus which then put an illegal pop-up on your screen. It might be proporting to be “foreign secrets - 20 years imprisonment for viewing by unauthorised persons” or more commonly, it might be some rather dodgy ■■■■. At the bottom of the message you’d get “Leave a donation on this number if you don’t want us to report you for having illegal material on your computer” which used the fact that most PC users don’t have a clue how to be Net Savvy. These days, mpst folk STILL don’t know how to be net-savvy, but at least realise that they NEED to be. This makes the default answer when you think you’re being conned as “an uncooperative one” shall we say.
Stranger: Hey meester you dropped your wallet…
You: Get lost!
(you can only say that with confidence if you didnt HAVE a wallet - right?) 
The age of socialpathy has begun! … Dont walk over, don’t get invovled, don’t answer the stranger, don’t catch someone’s eye…
Life has become like 50 people in a lift where no two eyes meet!
Fear is a powerful weapon, but I’d argue that fear out of ignorance is the most powerful kind OF fear!
You can understand why most of the time you are advised to “never admit liability” even if you’re bang to rights.
Stupid thing is, that only helps your firm - not you. If the case ends up in court, it’s YOU who ends up doing the 4 for perjury should you follow your own end’s advice on not co-operating if you are clearly in the wrong. When it’s the other side that are bang to rights, but “resisting”, then just push for the court as quick as possible. Some “It’s not too late” letters might come, but so to will the court date, and the fraudsters always fold before the appearance. The moral? - Just be a calling station, and make sure you have even the smallest thing to call their bluff with! Even remarks like “I’ll see you in court!” are nothing more than a bluff 9 times out of 10 from someone who doesn’t know his arse from his elbow… 
Remember - The other side isn’t some kind of ‘god of time and space’, so knows the same or even less than you. Don’t let the pushiness of them give you doubts about “Hey, I didn’t know that, so I’m not sure overall now…” If you DO allow it, you won’t even be sure of your own name by the time they’re finished…
Has anyone on here ever had their day in court, and taken someone to the cleaners/seen them locked up for the inevitable perjury from the other side, because they didn’t know when to quit when you have absolute proof they’re in the wrong? You read about episodes in the press, but I’ve yet to see it on the neighbourhood front.