Auto Insurance Claims: Rear-Ended in Texas, leinholder, own insurance

Question
Hello,

I was rear-ended this morning while accelerating from a stoplight that changed to green.  We exchanged insurance information and his insurance company is a very small company.  It took 1 hour for them to answer my call to file a claim.  I'm concerned that the time to get an adjuster our may also be slow and tedious.  

Is there a time limit on how long it can take?  

Also, will this claim against his insurance harm my perfect driving record?  If I am not mistaken, a rear-end accident is almost always the other persons fault.  

My friends think the damage to my bumper is pretty minor and should just get a check and not worry about it.  I didn't think this was possible either since I have a leinholder.

When I finally filed a claim, his insurance seemed much more worried about bodily injury.  While I don't think I sustained any they kept wanting me to say that I was ok and no injury occured.  I refused to say that, I said that at this time (1 hour after the accident, I feel ok).  Why were they so concerned and asking numerous time?  

Thanks!

Answer
Several question here which in detail would take an hour to address all.
The abbreviated answer is that:
The insurance companies are so concerned about bodily injury because there are so many fraudulent claims.  We can thank sorry people and late night BI attorneys for this.  It has no bearing however on any property damage claim.  

As far as your question as to how long it can take, it is somewhat ambiguous.  Are you referring to the hold time, the statute of limitations in TX or the insurance commissioner guidelines on claim handling?  

I'm not aware of any system that would directly affect your driving record on a third party claim.  However, do understand that you are contractually obligated to report all accidents to your own insurance company so they can document everything in a timely manner (in case the other party's insurance denies the claim).

Don't listen to your friends.  Flexible bumper covers can often hide damage.  The car needs to be looked at by an adjuster or body shop professional.

Good luck!