Whiplash and how best to avoid it

Whiplash is generally caused by a rear-end shunt which even at moderate to low speeds can cause the occupants of a vehicle to have their heads whipped forward with such force that it causes damage to the neck.

As the rear-end shunt is one of the most common types of accident seen on the road, they result in a great deal of personal injury claims, making them a less than pleasant matter for insurers – and in turn, everyone’s insurance premiums.

However, a great deal of physical and financial pain can be potentially avoided by following some simple rules laid out by the Institute of Advanced Motorists (IAM). These lessen your chances of being involved in a fender-bender and ensuing neck injury.

For starters, your seat position, particularly regarding the head rest, is of paramount importance when it comes to minimising the effects of whiplash. The top of the head rest should be level with the top of your head, not underneath as many people position it.

Otherwise, you can concentrate on your driving and ensure you accelerate and brake smoothly and gently when coming to queues of traffic, junctions and so forth.

Drivers can find it difficult to judge how hard someone is braking, so if you’re slamming the anchors on, that vastly increases the risk of the car behind giving you a shunt.

Similarly, if you take off like a revving boy racer on a mission, it might be you who finds they react too late to some heavy braking in front. Never drive too near to the car in front of you.

Be watchful of and anticipate the flow of traffic ahead, so you can slow down earlier when you see that you’ll need to, and give drivers behind you more time to react to your braking.

When in a queue you should keep an eye on the rear-view mirror and be aware of traffic approaching from behind. Keep your foot lightly touching the brake pedal to show your lights as a warning, until you’re sure you’ve been seen and the vehicle behind is slowing.

Finally, try to signal for turns as early as possible – and don’t jam the brakes on if you miss your exit and see it at the last minute, just keep driving and come back round.

IAM chief examiner Peter Rodger commented: “The rise in whiplash compensation claims is driving up car insurance premiums. Whiplash is most commonly caused by a rear end shunt – you can reduce the risk of being in one simply by taking these steps.”

And hopefully, you’ll be one less statistic in the ever increasing numbers of drivers who are asking: how much do I get for whiplash?

Car Insurers Likely To Benefit From Windfall

Car insurers are likely to benefit from a £4.8 billion windfall if proposals to hold onto referral fees is put into action.

A report released two weeks ago from the Legal Services Board outlines news that motor insurers could gain substantial sums of money by selling cases to law firms. However, there are companies out there who have campaigned for the removal of these new proposals such as the Association of British Insurers.

It is estimated that brokers and insurers will benefit from up to £3.2 billion in income from referral fees and an added £1.6 billion in ancillary services in the financial year of 2010/2011.

These figures stems from data on claims from the Compensation Recovery Unit, and ABI’s data based on information ‘before the event’.

Some experts have claimed that without a change in the way referral fees work there will be a rise in accident claims, last year along there was a rise of 17% in claims.

An employee for The Royal Bank of Scotland has admitted that the bank does recieve referral fee income from “selected suppliers” but has outlined that “insurers are not the primary benefactors from referral fees; a whole number of industries are involved”.

Only Half The Victims Of Personal Injury Make Claims

A study done by www.personalinjurylawyers.co.uk has highlighted that whilst avenues for making accident claims have become more prolific in recent years, only half the victims of personal injury actually make accident claims for compensation.

The study analysed how the British public have dealt with their personal injury and accident claims if they had of fallen victim to such an event.

In total 1,211 women and men over the aged of 21 years old took part in the study focused on questions regarding their experience in this field.

39% of those involved with the study answered that they have been involved in an accident for which they could have claimed compensation. Under 48% of people answered that they had not then sought out this compensation they rightly deserved.

Of those people who had not claimed compensation 36% had suffered an injury at work, 25% had been involved in a car accident and 22% had been injured as a result of slipping and tripping up.  64% of people who were injured and who did not claim had also lost out after being forced to take time off work as a result of their accident.

52% of people who did not claim compensation told the study that this came down to not knowing how to do so, whilst 23% of these people were worried about finding a company with a good reputation for representing them.

20% of Honda FR-V Drivers Claimed Last Year.

A study undertaken by confused.com has revealed the names of the most accident prone cars. Owners of the cars, the Honda FR-V, the Lexus RX and the Volvo XC90 are more likely to make an insurance claim over others.

One in five owners of the Honda FR-V have made a claim in the last five years totalling 466 accident claims from 2.529 car owners. 15.9% or 3,886 of XC90 owners made 619 claims and 15.5% of Lexus RX owners equalling 574 accident claims.

The research for the report was taken across a cross section of the British public, and it has been stressed that this provides merely a snapshot of the car claims made in the Britain over the five years.

The study also looked into the vehicles associated with the lowest rates of claim. According to the results the cars most likely not to be involved with an accident claim were the Mazda 2 TS TD. After a study of 1,076 of these car owners, over the last five years, only nine accidents had been recorded. Other cars with the lowest claim rates were the Nissan Skyline, the Fiat Cinquecento and the Ford Focus RS, all at 1% of accident claims.

 

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