Despite some of the media insisting there is a compensation culture, the number of claims for whiplash injuries actually fell in the year 2011/2012 according to research uncovered in a report from APIL (the Association of Personal Injury Solicitors)

The President of APIL, Karl Tonks, reveals that claims were down by in excess of 24,000 meaning a 4.2% drop. These are Government figures and, he argues, go to show that the constant rise in Insurance premiums cannot come from an increase in claims. The research also showed that up to 40% of people who have had a whiplash injury have in fact never claimed for it.

The survey also revealed that up to 30% of those who had an injury were encouraged to claim by the insurers themselves who were cashing in on selling their clients details to solicitors. The extent of that cash for claims scandal was revealed to net Admiral Insurance over £24.5 million per year.

Instead of pointing the finger at everyone else, insurers really need to stop and look in the mirror – Karl Tonks, President of the Association of Personal Injury Lawyers.

He goes on to reveal that in their rush to avoid legal costs the insurers will sometimes make payments to potential claimants without even asking for a medical report – “They need to look at stopping this to reduce payouts and share more information at a very early stage with claimant lawyers to sift out and stop any fraudulent claims”.

So everything the Government and insurers say about how claims lead to increased premiums may not be all it seems.