re: Louisiana insurance rates

It’s funny because about a year ago, I was at a red light and an old man rear ended me. He was doing 2 maybe 3 mph tops not a scratch on my truck, barely bumped me forward, honestly at first I thought it was the stupid auto stop on my truck starting my truck back up. It damaged his car because he hit my ball hitch. We made a police report (cops didn’t even come out we did it over the phone which was a first for me). About 2 weeks later his insurance company called and said “we haven’t gotten anything from you or a damage report” I went that’s because there is no damage, and no one was hurt, nothing to submit. Honestly the lady on the phone you could tell was kinda shocked like “ummm so you’re not claiming anything” I told her no mam nothing on my end to claim. She was like “so it’s ok if I close your side of this” I said “yeah nothing to claim so you can close it” and she was like “oh ok I will close it then” it’s like they were expecting me to be like I was injured and this and that