Whiplash Injury Insurance Claims - Fraudulent Or Genuine?

Although the concept of whiplash was firstusually set up using dummies of an average height
introduced over 80 years ago and it is scientificallyand build. It is also likely that the crash test dummies
recognised as a legitimate injury, the authenticity ofare seated correctly, with seats and headrests in the
low speed impact claims continue to promoteappropriate position, to minimise or eliminate any
conflicting arguments from insurers and personalpotential whiplash injuries. These factors are
injury specialists.important when considering the validity of any test
Low speed impacts are typically accidents that occurresults as studies have confirmed that the severity
under the speed of 10 mph and there is often little orof whiplash injuries are governed by the position of
no damage to either of the vehicles involved.the cars headrest and certain groups such as women
However passengers of the vehicle that has beenand tall people are more prone to suffer whiplash
struck often complain of neck, shoulder and backinjuries.
pain, typically referred to as whiplash injuries. <Whiplash occurs when the soft tissue and ligaments
i>Sometimes the effects of such injuries are notin the neck or back are strained after a sudden
always immediately apparent and can often appear amovement or jolt. On the whole, the majority of
number of days after the collision.whiplash injuries subside within a 6 - 9 month period,
When faced with such claims, insurers often try andhowever approximately 5-10% of cases in the UK
argue that as the accident occurred at such a lowshow that some injuries last in excess of 1 year and
speed, the symptoms complained of are eitherindividuals are left with more serious chronic
non-existent or exaggerated and it is often allegedsymptoms. Past cases involving more serious injuries
that the majority of such claims are fraudulent.have occurred when a vehicle is hit at a low speed.
Insurers base these accusations on tests that areEach individual case is different and each set of facts
carried out on crash test dummies, which show thatmust be assessed separately on its own merits,
when a vehicle is struck at a low speed potentialtherefore it cannot just be assumed that all low
whiplash injuries are fairly rare.speed impact claims are fraudulent.
The opposing argument for these assertions are thatAlthough the vehicle may show no damage, the
although there may be no apparent damage to thevelocity and accompanying force has to be
vehicle, research carried out in 2003 and 2004transferred somewhere and usually, this is directly to
confirmed injuries are just as likely to be sustained inthe occupants of the vehicle being struck, as even at
a low impact collision, as in a high speed accident.low speeds, the occupants are unable to brace
Any results produced following experiments on crashthemselves for the impact to prevent any injuries
test dummies can also be questioned, as they areoccurring.