That's so dumb - they shouldn't be hassling you about the police report (not that that makes any difference since they already have). But insurance companies have whole teams of people whose only job is to inspect damage and figure things out. I once rear-ended someone, who rear-ended someone (oh it was such fun) and we all filed with insurance, without a police report, and we all agreed on what had happened. The insurance company sent someone to look at my car and take photos of the practically non-existant damage to my front bumper and la de da.

So, anyway, a pox on the person who hassled you xxx