Cases arising from injury caused by whiplash have been
around for years. If a person is involved in a motor accident where their car
is struck from behind the body is thrown forwards and jerked backwards by the
seat belt. So a whiplash occurs to the body causing injury – normally to the
back and neck.
Over recent months these cases have become highly
controversial. The champion of the anti-whiplash lobby is former Labour Home
Secretary Jack Straw. At a forum earlier this year he said that whiplash is –
"not so much an injury, more a profitable invention of
the human imagination - undiagnosable except by third-rate doctors in the pay
of the claims management companies or personal injury lawyers".
He called for more robust medical evidence.
He is right in one sense. It isn’t an injury as such. It is
the mechanism which can cause injury. It is far from an invention of the
imagination. I once had a whiplash injury. It was nothing to do with a car
accident. I was playing one of those fairground games where you had to hit little
plastic animals as their heads popped up. I jerked with too much enthusiasm and
suffered a whiplash type injury. It was agony! I could barely move my head for
about a week. But the pain and discomfort lasted for months. Driving was
torture especially looking over my shoulder. Now I had no claim as it was my
own stupid fault. But it really hurt.
This sweeping attack on injury victims ignores how medical
evidence is used these days. Any lawyer would be opening themselves to a
negligence claim if they sent their clients to a medical expert who was not
properly qualified. A medical expert's duty is to the court, not to the lawyer or even the client. If insurers doubt the injury they can have their own
medical expert. This is the procedure in all injury cases. It has served to
identify genuine injuries for many years. Our courts are well equipped to deal
with exaggerated or false claims.
It is hardly in lawyers
interests to take on hopeless cases where they are highly unlikely to get paid
if they fail.
This whole argument seems to come from the insurance
industry to try and justify massive increases in insurance premiums. It is
interesting that the OFT has announced an investigation into the conduct of
insurers particularly in relation to excessive car replacement costs and
referral fees that they shell out to various organizations –
http://www.guardian.co.uk/money/2012/may/31/car-insurance-industry-competition-inquiry?newsfeed=true
There will always be claims that are not genuine but they
are a tiny minority. But it is unacceptable to blame victims for the rising
cost of motor insurance. Do any of us expect a nice rebate cheque for our
insurers if there is a big drop in claims??