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Whiplash claims cost insurers more than £2 billion last year

by Personal Injury Claims Blawg on May 10, 2012

Whiplash injury claims cost insurance companies more than £2 billion, with £90 being added to the cost of an average insurance policy according to new research by the AA, reported in the Telegraph last week.

Director of AA Insurance, Simon Douglas said ”I hope that today’s Government announcement will see a tight timescale applied to reform of the civil litigation which at present, encourages people to make a claim regardless of how serious their injury is or even if they have not suffered injury at all.

”Importantly, we need reforms that clamp down on cold-call claims management and personal injury firms who have contributed to the growth of claims.” He added ”The present dysfunctional system has also spawned a fraudulent multi-million-pound ‘cash for crash’ industry.”

Karl Tonks, President of the Association of Personal Injury Lawyers (APIL), said: “Whiplash injuries are real, they can be long term, and must not be trivialised.”

”Before it announces a raft of propositions which risk barring genuinely injured people from bringing legitimate claims, the Government must have a wider debate about the real issues, and it must also hold the insurance industry to account.

”I’m really concerned that in all the latest populist rhetoric about whiplash claims, everyone is being tarred with the same brush.”

Back in January 2012 APIL also released a statement saying “the priority must be for innocent victims of genuine injury, including whiplash injuries, to have access to the full and fair compensation they need. Whiplash injuries can be extremely painful and can often linger, leaving some people with chronic conditions. It must be remembered that the burden of proof lies with the victim. The defendant has every right, and opportunity, to challenge medical opinion if it is thought to be wrong.

Any measures which risk blocking people from making valid claims will leave injury victims and taxpayers effectively subsidising the insurance companies who have already accepted our premiums. It is time for the needs of vulnerable injured victims to take precedence over those whose negligence causes needless injury in the first place.”

Symptoms of whiplash (sp) should be consulted before bringing a claim and you should note that the law differs in this area in Scotland and in England & Wales. Compensation can often be lower depending on the forum in which you bring your claim.

Justice Secretary Kenneth Clarke said that the Government’s plans to reform the injury claims system will make it ”quicker, cheaper and easier for valid injury claims to be dealt with through the small claims court”. One of the proposals to be outlined later in 2012 will be to introduce independent medical panels, which would replace assessment by the claimant’s own GP or other medical expert.

Read the Telegraph’s full coverage of this news for further information.

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Personal Injury Claims Blawg

Personal Injury Claims Blawg

PI claims blogger at PIClaimsBlawg
Personal Injury Claims Blawg is a personal injury law blog, inviting contributions from practitioners, PI law firms and legal academics across the UK, US and beyond. The post above has been published because of the high value associated with the author's work. Contact us if you'd like to get published today.
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