> Is the end result just a couple of minutes later in a 30 minute commute?

More like a few seconds.

Every car that merges in front of you only costs you their following distance. If the average following distance is 1 second, then you are simply 1 second slower than you'd have otherwise been. So unless this is happening continuously every 30 seconds on your 30 minute commute, you will lose less than a minute.

The "but if I kept reasonable following distance, people will keep merging in front of me and I'll lose time" excuse is pretty thin given this analysis.

And an insurance claim can easily eat 40 hours of time between the insurance companies, other lawyers, buying a new car, medical appointments and recovery. That's 19,200 minutes you won't get back, or about 52 years of driving 1 minute slower each day.

Slow is smooth and smooth is fast.