The UK is now the ‘whiplash centre’ of Europe with claims in the UK some 40% higher than the European average.
The Association of British Insurers (ABI) advise that whiplash claims have increased by 25% over the past 5 years with more than 430,000 people claiming for whiplash injuries in 2007. That equates to more than 49 people every hour claiming whiplash injury every day of the year.
Whiplash is now the biggest injury claim category accounting for two-thirds of all personal injury claims made in the UK.
Anyone who has suffered such an injury will offer testament to the fact that these injuries can prove extremely painful, debilitating and can often take some time to recover so if the consultancy costs and NHS services are added to these costs, the true cost escalates even higher.
In 2007, the insurance industry paid out a staggering £1.9 billion in compensation with an average payout reputed to be around £4,000 per claim the cost is now equivalent to £66 for every car insurance policy held in the UK.
There are many inferences that a percentage of these claims are fraudulent in one way or another (either by exaggerating the extent of the injury or completely faking it) and this claim for compensation culture has not been helped by the ever growing number of solicitors, companies and organisations offering the American style “no win, no fee” schemes which has encouraged many claimants who may have perhaps either settled for a lot less or not even claimed otherwise to appoint legal representatives to fight their case on their behalf.
To avoid your insurer having to pay out for such an injury putting your no claims bonus at risk is to take precautions when driving and avoid driving too close to the person in front and allow plenty of stopping space.
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