So I'm stopped at this yield sign on the ramp onto another major street, looking for the traffic to clear. I'm obviously leaning forward with my head turned back to see the cars. Then BAM! A new VW Beetle rams me from behind, and my head goes into the handle near the windshield. The impact moved the rear view mirror and opened the sunroof shade a few inches, so I'm guessing about 5mph hit? The middle aged chick driver and I get out and look over the damage. Since I got a hitch, the only damage was to the rubber plug in the receiver, and amazingly her car only had superficial damage. Black mark on the yellow bumper from the black rubber plug, maybe it was dented in slightly. Either way it was not worth more than staying in that dangerous intersection. We decided not to call the cops and just exchanged numbers, names and insurance info. The guy in the LandRover who was behind the chick jumped out and asked if I was ok as I did have a nice bump on my forehead from the handle. I said 'sort of' and he gave me his name and number also just in case, a witness I guess. The bump went away in a few hours, but in case I wake up tomorrow with a migraine and would need anything, should I call up the insurance and tell them to open a case, just in case? Or it's a lost cause if no police report was made? This happened near the Turnpike in SE Pennsylvania.