[Closed] Hypothetical crash but no damage (to hypothetical me at least)

Assume I've been sat in a queue waiting for the front car to turn right. Assume a car pulls up being me and comes to a stop. Assume the car behind that one doesn't, hits the car behind me, which in turn hits me. Assume details are exchanged. Assume there is no damage to my car.
Why do I assume there is nothing to be gained and everything to lose if I were to contact the hypothetical insurer, in terms of hypothetical NCB losses and premium increases, given there is no hypothetical damage/loss that I would need to claim for?