The high number of whiplash claims costs UK drivers £2 billion per year in car insurance premiums
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Noel Hernandez Wednesday 18 January 2012 |
If all the whiplash injury claims that are made in the UK were genuine - 554,000 only last year - you would see people sporting neck braces everywhere.
But as this is not the case, there must be many fake claims. That's what a MPs committee understands, urging the government to change the law so people who claim whiplash must prove they have an injury, and that the consequences are gravely affecting their life.
The cross party House of Commons Transport Committee estimates these claims are pushing car insurance cost up, costing motorists nearly £2 billion a year.
Louise Ellman, chair of the Transport Committee, said: "Whiplash is an injury where diagnosis is often subjective and therefore very costly for insurers to challenge."
"The threshold for receiving compensation in whiplash cases should be raised and, if the number of such claims does not fall significantly, the government should bring forward primary legislation to require objective evidence - both of a whiplash injury and of it having a significant effect on the claimant's life - before compensation is paid," she added.
The truth is that it's difficult to demonstrate that someone doesn't have whiplash - a neck injury caused by a sudden jerking backward or forward suffered by passengers or drivers when a car is hit from behind - Besides, the process to start a claim of an injury like this is quick and easy. Insurance websites have claim forms that can be done in 60 seconds.
People have accepted that this is an easy way to make money or, as Simon Douglas of AA Insurance told the BBC, "A claims culture has developed to the extent that it has become accepted that if another vehicle hits your car, you should make an injury claim."
If we look at the numbers, it's obvious that people have been taken advantage of this easy claim: there has been a 70% rise in the number of claims over the last years, despite a 25% fall in the number of road accidents.
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Zoe, Kent 26 January 2012, 01:00PM | |
I was involved in a car accident last March. I was stationary at a roundabout and was hit from behind and suffered from whiplash. Believe me it was not a short-term injury and I suffered for several months and underwent physiotherapy. It is a sad fact of life that a small minority of people make claims for injuries that are not genuine. | |
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