Whiplash Injury Claims – Are They All Fraudulent?
Saturday, January 14th, 2012 at
6:51 pm
A whiplash injury is demonstrated in the following video:
It seems like there are no other type of injury you can suffer in a car accident these days except a whiplash injury. Is it all a big fraudulent scam that anyone can pull off from a car accident? The answer to this question is 'yes' because all you need to prove to get compensation is that you were in the car at the time and the other driver is at fault.
The doctors can't prove anything if you claim that your neck is hurting and it started soon after the accident in question. They can't say what level of pain you are suffering except for what you tell them. Even if your neck was broken and your head was in danger of falling off at the time of the accident, they have to accept some level of exacerbation for which you are entitled to compensation.
The problem is really rampant these days and everyone out there seems to be trying it on in an effort to have an accident with you so that they can claim compensation. They pull up suddenly for no reason in a deliberate effort for you to crash into them. It doesn't matter how minor the damage to their vehicle they always claim for whiplash injury.
The insurance companies response is to put up everyone's premiums more than it is costing them in whiplash injury compensation because they don't care as long as they make a profit. There is no cap on the level of premium they can charge so an old banger worth £800 will cost a young inexperienced driver a minimum of £1500 to insure, but more likely over £2000 for comprehensive cover. Try asking for third party fire and theft cover and you will find it won't be any much cheaper. They may even install a tracking device in your car to monitor your speed limit.
If your accident was not staged and someone happen to run into the back of you then you may or may not have been injured. In more than fifty percent of these low impact accidents none of the parties have suffered any injury. There are no immediate symptoms or any developing symptoms later such as pain in the neck or a headache. But the brain will start to calculate how much you could get if you were to claim for a whiplash injury, particularly as the accident was not your fault and the other party ran into the back of you.
So off you go to your GP to claim that you are having neck and shoulder pain which radiates down the limbs including both arms and feet. You claim lower back pain and headaches and some time off work. As stated above he can refer you to the hospital for an x-ray and other investigations but despite any suspicions he is not in a position medically or otherwise to challenge what you tell him. So once he has recorded your injury in the medical records and prescribed pain killers that is your whiplash injury money in the bag.
If he gives you time off work or sends you to the hospital that just underlines the seriousness of your injury which means higher compensation in the long run. The insurance company can send you for a medical report but each additional piece of medical evidence adds more money to your claim. And the longer it takes for someone to confirm in a medical report that you have made a recovery or that no further recovery is anticipated then the more you will recover in compensation. Ultimately, it will be you who decides when you are recovered and at that point this will be what is stated in the prognosis section of your medical report.
The average person will milk the system for a while especially when it comes to taking time off work. They will take up to a month off work in some cases but some people will take two to three months off. At that point they start to get worried about losing their jobs and will claim they are sufficiently recovered to return to work although they continue to experience continuing symptoms of pain in the neck and tingling or numbness in the limbs.
So they will continue to report to their GP and continue with the prescriptions or physiotherapy for as long as they can reasonably do so. At some point the insurance company will make an offer of settlement and, for the average case this could be anything from £4500 - £7500 but it could be a little bit less. They will accept the offer if they feel it is reasonable and their bank account will reflect the windfall for very little effort on their part. They then either get a taste for it and try to stage more accidents for financial gain or they will go away quietly happy with the money they got. What better way to treat treat yourself to a long overdue holiday or to upgrade that old banger?
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Filed under: Personal Injury Claims Secrets
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