Fraudulent whiplash claims cost us all dearly

Living in the “whiplash capital of the world” costs us all dearly – but none more so than those who are genuinely injured

Fraudulent whiplash compensation claims are said to be worth more than £1billion a year but unfortunately this is having an adverse effect on true whiplash sufferers who are being mistreated and labelled as cheats, thus paying the true cost of fraudulent whiplash claims.

The latest figures from Institute and Faculty of Actuaries (IFoA) reveals a 5% increase in the proportion of accidents involving third-party injury claims involving bodily injury in England and Wales last year.

The data also revealed that 9 out of 10 of these incidents were from ‘small whiplash-like claims’ of under £20,000 with the average claim being around £9,512.

The reported, written by David Brown, chairman of the IFoA recently reported that up to 60% of whiplash claims were ‘exaggerated, misrepresented or fraudulent’ and these bogus claims were responsible for up to £1billion.

Mr Brown also accused law firms of claim-farming, as a number of claims made last year were for accidents in 2011 and 2010. However, individuals have the legal right to make a claim up to 3 years following the accident date.

The Institute and Faculty of Actuaries’ figures were based on analysis of third-party motor claims, looking at data from around 95% of the UK motor insurance industry.

The rise of fraudulent whiplash compensation claims

Joining the debate, the ABI (Association of British Insurers) has blamed the “growing compensation culture” in the UK as well as “aggressive marketing by claims management companies” for the increase in fraudulent whiplash claims as a time whereby car accidents have decreased.

Some of the reasons given for the proclaimed “whiplash epidemic” is that for many insurers it is often cheaper to settle the case rather than fight suspected fraudulent whiplash compensation claims. Insurance experts also claim that it is too easy to fake whiplash as too few checks are conducted.

However what the insurance companies fail to understand is that fraudulent whiplash claims not only mean higher motor premiums for all, but for those who have been genuinely injured the cost is far greater, as these claimants have to truly justify their injuries. The climate of suspicion about whiplash means the claim process can sometimes be difficult and stressful for innocent victims.

At Keylaw, your claim is dealt with by personal injury claims specialists who are with you every step of the way. We are there to protect your rights and ensure that those with genuine injuries receive the correct and proper rehabilitation and support they need. Compensation can help with recovery and relieve the stress and worry of potentially being out of work with no income to support yourself and your family. Call our injury compensation experts on 0845 6188448 for a free assessment of your case.

The insurance industry cannot be allowed to intimidate people with genuine injuries and stop them making a whiplash compensation claim they rightfully deserve.

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