Assertions that fraudulent whiplash claims have driven up the cost of car insurance premiums in recent years are simply not true. The insurance industry’s own figures show that proven fraud is only present in 0.22 per cent of all motor-related insurance claims. An even smaller fraction of that relates to personal injury claims and whiplash a fraction of that.
There are many factors which affect the price of premiums, yet people with whiplash injuries always seem to take the blame. Overwhelming insurance industry evidence shows that there is no correlation between personal injury claims and the high cost of motor premiums. The cost of injury claims to motor insurers has fallen by 21 per cent since 2013, meanwhile our premiums have risen by 19 per cent.
The Government needs to turn its attention elsewhere to keep the cost of motor insurance premiums down.
The Association of Personal Injury Lawyers (APIL)