Cost Of Motor Insurance: Whiplash
HC 117, Fourth Report of Session 2013-14 - Volume I: Report, Together with Formal Minutes, Oral and Written Evidence
- House of Commons - Transport Committee
- TSO (The Stationery Office)
The report 'Cost Of Motor Insurance: Whiplash (HC117)' is the third report of the Transport Committee on the cost of motor insurance, and focuses on the impact of claims for whiplash injuries on insurance premiums.
Whiplash injuries can have debilitating consequences for those who suffer them, but some of the increase in whiplash claims will have been due to fraud or exaggeration. The Committee finds that the government should tighten requirements for motor insurance claims, and ensure that insurers honour their commitment to reduce premiums. The government should also consider requiring claimants to provide proof that they have either been seen by a doctor or attended A&E shortly after the accident.
Data collection about road accidents needs to be improved help to assist detection of fraudulent personal injury claims and help highways authorities improve road safety by targeting spending on accident black-spots. The absence of comprehensive statistics about road traffic accidents means that it is impossible to relate the increasing number of personal injury claims in recent years to the number of accidents.
Access to justice could also be impaired by government proposals to switch whiplash claims between £1,000 and £5,000 to the small claims court, particularly for people who do not feel confident to represent themselves against insurers who will use legal professionals to contest claims. Ways in which use of the small claims track could be combined with the routine submission of expert evidence should be considered.
The Committee also supports the proposal for an accreditation scheme for medical practitioners who provide medical reports in relation to whiplash claims.
|Format||Paperback||Published||31 Jul 2013|
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