One of the most common personal injuries people claim compensation for is whiplash, says the Association of British Insurers (ABI). Whiplash is a neck injury caused by a sudden movement of the head. It is often a result of a road traffic accident.
More than 1,500 whiplash claims are made in the UK every day. That is costing the insurance industry more than £2 billion a year. And adding £90 to the average annual motor insurance premium.
Average compensation amount is in the region of £3000
Some claimant have severe pain in their neck and are suffering quite badly. If there is also quite a lengthy prognosis then they are likely to receive maximum compensation. Which would be in the region of £11,000. A claimant with the same amount of pain and suffering but prognosis of less than maybe two years is likely to receive compensation between £6,500 and £11,500. The average compensation amount is in the region of £3000.
ABI campaigns for reform
The ABI has campaigned for reform of the personal injury claims system for many years and welcomes the introduction of the Civil Liability Act 2018. The reforms will:
- Provide a tariff of payments for some aspects of whiplash compensation.
- Introduce a computerised Portal system which will be simple and easy to use
- Simplify the claims system so legal advice is only paid for on road traffic personal injury claims over £5,000 (rather than £1,000).
- Introduce a ban on seeking or offering to settle whiplash claims without medical evidence of the injury.
Reform how the Discount Rate used to calculate larger personal injury awards is set, to ensure it is up to date and reflects how claimants typically invest their compensation
New reform delayed
However, back in April, the MoJ announced that it would delay the introduction of the Civil Liability Act, citing the coronavirus pandemic. But the ABI warned the department against undue delays, claiming any additional stalling would “impact on the benefits to claimants and consumers”.
Now, the new laws are set to arrive in April 2021, 12 months after the original scheduled introduction in April 2020. The delayed introduction of new rules designed to cut the value of personal injury compensation has cost Britain’s motorists a combined total of £1.3 billion.
Ways to protect your premiums and claims
- Proof – using a dash camera to capture driving footage, the better quality the better your chances.
- Tracking devices protects you against speeding accusations, with proof of your legal speed will surly speed up your claim in your favor. Also lowering your insurance cost in many cases.
- Check with your insurance provider what cover you get in RTA.