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Could Claiming For Whiplash Create A Problem With Your Insurer?
Whiplash is one of the most commonly claimed-for injuries in the insurance industry. However, because of certain factors, claiming for a whiplash injury could cause your insurance company to scrutinise your claim with more intensity than for any other type.
The most common cause of whiplash is road accidents, usually a rear impact collision. The impact of collision forces the spine to reproduce the undulating motion of a whip, hence the injury’s name. During this motion, the spinal column and the surrounding soft tissues - including muscles, tendons and ligaments - are stretched in opposing directions at speeds that are unnatural to the body’s design and often beyond the range of their normal motion. The result is that the soft tissues can become stretched, bruised or torn and the delicate network of nerves protected by the vertebrae of the spine can be subject to undue stress. This can produce a number of varying symptoms including dizziness, neck and back pain, restricted movement, blurred vision and severe headaches. The Law allows victims of whiplash injury to launch personal injury claims in which they can claim compensation for medical treatment and loss of earnings as a result of the injury sustained.
A subjective injury
However, part of the problem for insurers is that whiplash injuries are often very subjective. With little or no physical evidence to support the allegations of symptoms, doctors and medical professionals have to rely heavily on the testimonials of the claimants involved. As a result of the nebulous nature of whiplash symptoms, there are those who choose to abuse the legal system and either exaggerate their symptoms or fake them entirely. There are even ‘cash for crash’ cases where unscrupulous fraudsters will stage an accident in order to make a fake whiplash claim. In addition, the fact that claimants have to be assessed by medical professionals associated to the insurer offers little true validation of a claimant’s complaints. At the end of the day, symptoms can still be faked.
What is used as a moneymaking scheme by some is an inconvenient, painful and often debilitating injury for others. However, it is the actions of the unscrupulous that can draw out the legal process for the genuine sufferer. According to study by the AA, fraudulent whiplash claims cost the insurance industry around £125million each year. Not only does this add an estimated £44 to the cost of the average motorist’s insurance premiums, but it also delays the speed with which claims are processed.
Because of the rising number of faked or exaggerated claims, insurers are now inclined to examine cases more intently; claimants may be subjected to repeated medical examination and their statements will be reviewed and double-checked for accuracy and consistency.
Genuine claimants have nothing to fear
While this may be frustrating for some, genuine claimants will have nothing to fear. Their cases will be processed in due time. However, those considering launching fake claims as a moneymaking exercise need to be aware that the insurance industry is not a passive entity. It will seek justice for those who deserve it and justice against those who seek to abuse the system.
You Need To Know More Vital Information About Whiplash?
For more vital information that you really should know please download our free Essential Guide To Whiplash. It will tell you:
- What "No Win No Fee" really means and how to ensure you do not get caught out
- Whether a Claims Company or a Solicitor is the right choice for you
- What does it mean if you have Legal Expense Insurance (and do you have to use the solicitor that they tell you too if you do not want to)?
- How to obtain private treatment for your injuries at no cost to you
- How to quickly obtain a replacement car or motorcycle if you need to
- Why accepting an offer directly from the other driver's insurance company could cost you thousands of pounds and lead to longterm injury problems
There is no cost so please complete your details below now and we will immediately send you the guide.
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What If I Could Not Avoid The Accident?
Read our guide explaining what to do following an accident "Road Accident and Injury Claim Guide"
Have You Suffered A Whiplash Injury?
If you would like 1stClaims’ expert Whiplash Solicitors on your side please call us free on 0800 2888 693 or complete our Free Claim Enquiry form now and we will be in touch with you very soon.
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Why Choose Us for Your Whiplash/Road Claim?
- You keep 100% of your compensation
- You pay nothing whether you win or lose your claim
- Your solicitor is chosen by one of our directors who was a personal injury solicitor for 14 years. This ensures you are put in touch with the best solicitors to ensure you receive a 1stClass service from 1stClaims!
- All 1stClaims solicitors are monitored by client feedback to ensure a quality service is maintained for your benefit
What clients are saying about 1stClaims service today
“The 1stclaims solicitor was extremely helpful - she guided me in the right direction with the claim and I would definitely recommend 1stclaims. The solicitor was brilliant and thought of things to claim for that I had not even considered.” - Mrs D, Essex
How We Help You
News / Articles
Videos - See our latest Whiplash Videos
No Win, No Fee Agreements - 28/04/2012
Jaw Problems Caused By Whiplash - 27/04/2012
What Is Whiplash Compensation? - 01/04/2012
Whiplash Injuries: Why Do You Need A Solicitor? - 28/03/2012
Winter Marks an Increase in Whiplash Claims - 25/03/2012
