British motorists continue to make more and more insurance claims and this is in turn, now absorbing up to £150 per person of their car insurance premiums.
For those that have not made a claim, this means that they are now subsidising claimants to the tune of £150 every year.
According to the recent studies, it is suggested that the main reason for the increased number of claims is simply fraud.
Factors such as damage caused by drivers who do not have valid insurance isn’t helping and causing some concern.
Up to £66 of this £150 is said to come from claims submitted by drivers claiming to have suffered whiplash injuries following an accident.
The important thing here is to ensure that if you are involved in an accident, fault or non-fault, ensure you document as much as you can remember about the accident and particularly any injuries sustained by you or the other people involved. Take photos, use your mobile if it has capability and most have nowadays.
Whilst accepting that injuries such as whiplash may not manifest themselves immediately, you will have a better indication of things and whether such claims are genuine if you have taken notes etc. that you can refer to later. Remember, if anyone sustains an injury, you are obliged to contact the police before leaving the scene.
Notify your insurer as soon as you can if there are injuries involved and if you suspect some potential fraudulent claim winging its way, tell them.
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