You pay more cash, because of whiplash

Ford Mondeo Vignale.

It is a well known fact that whiplash is one of the most popular accident claims. In fact, in the last three years it has reportedly gone up to 570,000 a year.

It is also a well know fact that many people trick the system and ‘fake’ an injury, like whiplash, so they can get a claim. Which makes you wonder, how many of those 570k a year are genuine whiplash claims?

As these whiplash figures go up, so does insurance, because if insurance companies are paying out more they need to higher insurance premiums so that they don’t lose out.

The government wants to take action with this on-going problem. A recent report suggests there should be more of a systematic way of dealing with accident claims, in other words more evidence that a person has actually been injured.

Louise Ellman, Transport Committee chair for the Association of British Insurers, said:

“The financial threshold for receiving compensation in whiplash cases should be raised and, if the number of such claims does not fall significantly, the Government should bring forward legislation to require objective evidence – both of a whiplash injury and of it having a significant effect on the claimant’s life – before compensation is paid.”

In the meantime there are many ways of avoiding injury yourself. There are of course the general safety measures such as making sure you have a suitable head restraint that is level with the top of your head and being aware of your surroundings when braking.

Certain models also offer specific protection for whiplash such as the Jaguar XF, which has an anti-whiplash system that is designed to move the head rest forward if there is an accident. This is something worth taking into account when you’re looking for a new car.