Whiplash injuries can be serious and it is important to ensure you receive the level of compensation you are entitled to. Unfortunately, there are many negative misconceptions about claiming compensation after an incident involving whiplash injuries and many victims end up losing out. These negative views have resulted in many victims feeling guilty about making a claim, as doing so is commonly regarded as unnecessary and opportunistic. To help clarify the situation, here is a guide to whiplash.
It is widely perceived that claims for whiplash should not be made due to the implications on insurance premiums. There is a commonly held misconception that whiplash claims have led to motorists having to pay more to insure their vehicles. In recent times, the stigma attached to the subject has put many victims off seeking compensation. However, whilst increased levels of claims will, over time, affect insurance premiums, there is no doubt that whiplash can be a very serious injury, for which you are fully entitled to receive compensation.
A further misconception is that claims for whiplash have increased and that too many people are claiming for non-existent or relatively minor injuries. This again has a negative implication for people who have suffered significant injuries. The incidence of whiplash injuries may be on the rise, but the reason behind it is not that victims are making unreasonable claims, but that free expert advice from industry leaders, such as here at Accident Advice Helpline, is more readily available. The public have become more aware of their legal entitlements and therefore have access to information on how to make a claim.
Following on from this, a further misconception is that claiming for whiplash injury is seen as an easy way of gaining compensation. However, simply mentioning whiplash will not automatically result in compensation being paid. The usual procedures still apply and you will have to build a case, provide evidence, including professional medical verification of the injury, obtain the services of a specialist solicitor and present the personal injury claim through the courts. It is almost certain that if you claim compensation for a whiplash injury you will have to undergo a medical examination by an impartial doctor who will assess the extent of your injury.
It is also commonly thought that minor whiplash injuries can result in thousands of pounds in compensation. Although this may be the case in severe cases, the industry average settlement is below £2,500, which is paid to cover expenses, loss of earnings and medical costs.
The final and most common misconception is that you have to employ a solicitor to make a compensation claim for a personal injury, because insurers refuse to deal directly with the public. This is not the case; most insurance companies are quite happy to communicate directly with you as an individual. However, we advise you to seek legal advice to ensure you receive the level of compensation you are entitled to.
In conclusion, if you have been involved in an accident that has resulted in a whiplash injury, seek expert advice based on your own individual circumstances and do not be swayed by any of the negative publicity you may have seen or heard on the subject.
Date Published: September 26, 2013
Author: David Brown