Reducing the Number and Costs of Whiplash Claims: A Consultation on Arrangements Concerning Whiplash Claims in England and Wales
Between 2006 and 2012 the number of reported road traffic accidents (RTAs) fell by around 20% yet the number of claims for personal injury arising from RTAs rose by 60%. Of these some 70% are for whiplash injuries, with 2.7 claims for such injuries being made for every accident reported. Other European countries have much lower claim rates: Germany 47%, Spain 32%, France 3%. The impact on the cost of motor insurance is significant, with £90 of the average premium stemming from the cost of whiplash injuries. The Government and the insurance industry are committed to action to reduce the cost of motor insurance and to deter fraudulent and exaggerated claims. The measures in this consultation paper look to remedy two areas where the current arrangements are imperfect: the difficulties in diagnosing the injury; and the nature and cost of the court system that can work against insurers challenging suspect claims. Diagnosis could be improved through a system of independent medical panels. In the courts, the proposals look at the small claims track threshold for personal injury claims arising from RTAs, which would provide a more cost effective route for straightforward claims and self-represented litigants. The Government also invites further ideas to address this complex issue.
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Part Three Better Incentives to Challenge Fraudulent
102 Petty France access to justice accredited medical practitioners approved to assess arising from RTAs arrangements concerning whiplash assess claimants suffering Civil Justice Council claimant’s GP claims for whiplash Claims track threshold compensation compensation culture concerning whiplash injuries consultation exercise consultation on arrangements cost of motor cost of whiplash court current arrangements damages diagnosis of whiplash doctor England and Wales Equality Impact Assessment Fast track fon-vard fraudulent and exaggerated fraudulent or exaggerated increase the threshold independent medical panels injuries in England insurance industry Justice 102 Petty medical practitioners approved Medical Reporting Organisation Ministry of Justice national call-off contract number and costs options personal injury claims Petty France London PI claims possible whiplash injuries reducing the number reforms register of accredited response road trafﬁc accidents RTA claims RTA Pl claims Scott Tubbritt Ministry self-represented litigants Small Claims track straightfon/vard tackle Wales Question whiplash claims whiplash injuries arising firstname.lastname@example.org Yes No Comments