Car accidents; Why not to trust people

So last Monday, I got in a car accident. While I was approaching an upcoming red light, an SUV tried to swerve around me, and I didn't let him in front of me. So he ended up directly behind me at the red light. All of a sudden, "BAM", he hits the back of my car, and we were at a dead stop!!! I am pretty sure at this point, something along the lines of, "You have GOT to be Fucking KIDDING me!" came out of my mouth. I had to get back home to work, and so I was in a hurry, no one was injured, so I didn't see the need to get the cops called. The guy didn't have an insurance card with him, and giving him the benefit of the doubt, I took the rest of his contact info and vehicle info. The estimate came in higher than the deductible, so this guy says he can fix it on his own for cheaper. Every day, he emails us and makes excuses, and finally we asked for all his insurance info because he said he already called his insurance company and we would be hearing from him, and yet he won't give us the insurance info. So I had to file a claim this morning since this dude has wasted two weeks of our time, and his response was, "Good luck proving I caused the accident. My wife was in the car, and you put your car in reverse and hit us." Seriously? You're a moron, and here is why... 1. We have two weeks worth of texts which clearly you accept responsibility for the accident being your fault in writing. 2. There is a camera at that intersection. 3. Your wife was NOT in the car with you, so keep purgering yourself. Why are people so dumb??? He's gonna have fun when it comes back that he has no insurance and then I get to call the cops. RETARDS. And I include myself in that, because it was retarded for me to not just file a claim in the first place and call the cops. Lesson learned.