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It's your neck on the block...

Insurers are calling for a clamp down on fraudulent whiplash claims which they are say driving up the cost of motor cover for honest motorists. The Association of British Insurers (ABI) says the UK is now the “whiplash capital of Europe”, with one out of every 140 people claiming for a whiplash injury each year. Not a very attractive title for the Brits to be given.

The ABI goes on to say that the activities of ambulance chasing lawyers and claims management firms, as well as staged “cash for crash” accidents are significantly raising the number of claims being made.

Does anyone really know what whiplash is? It actually occurs when the soft tissue in the spine is stretched and strained following a sudden and forceful movement – such as being hit from behind by another vehicle. This is not an easy ailment to diagnose, so it therefore follows that it is easy to fake or exaggerate, making claims for this injury a target for fraudsters.

Around an astonishing 1,200 whiplash claims are made in the UK every day – that is six times more than the number of people who claim for workplace related injuries every year. Three quarters of personal injury claims in the UK are for whiplash – the highest level in Europe – no wonder insurance companies are becoming disillusioned and cynical. The ABI estimates that that the cost of whiplash claims adds around 20% or £74 to motor insurance premiums.

No surprise then that the ABI wonders why the UK appears to have the weakest necks in Europe! The whiplash claim is truly a fraudsters dream come true. The ABI is now calling on insurers, doctors and lawyers to form a partnership to help prevent whiplash and to improve its treatment – as well as cracking down on fraudulent claims. It wants authoritative medical guidance to accurately diagnose and treat genuine whiplash to be developed, as well as raising consumer awareness about the importance of keeping a safe breaking distance between vehicles – tailgating is the main cause of this type of injury.

If you are unfortunate enough to have an accident, you will need to inform your insurance company of all the details, including any injury you sustain. If you chose to deal with a company such as Westhill Insurance Services, who provide independent and honest advice, their professional advisors will guide you through the insurance claims process. Should you choose to insure through a comparison site, you could end up without much in the way of advice and help and could discover that you are not as thoroughly insured as you thought. Talk to Westhill and let their helpful and friendly staff explain how they work and how they will look after your insurance claim - should the worst happen. They can't mend all ills, but they can make the horrible seem a lot better!

Contact Westhill Insurance Services, today.

Posted on 26th June, 2011