The Ministry of Justice this week announced (as part of the Autumn Statement) their intention to press on with their whiplash reforms with some changes to their key measures. The announcement has generated a lot of talking points and reaction from both the insurance sector and the legal sector over how to move foreword. Sincere Law has compiled a short summary of the changes and how they may affect you as a claimant.
- The intention to either reduce OR scrap soft tissue injuries (i.e. whiplash)
- Injuries which last longer than 6 – 9 months will be classified according to their length of recovery
- Minor injuries (which are classed as 6 – 9 months) will have a £400 damages limit and £25 for the physical impact whereas injuries that last between 19 – 24 months will be worth £3,600
- The small claims limit will be at least £5,000 and could rise higher
- Offers being made before a claimant has a medical will be banned
Other measures are also being debated and will be considered following a further consultation within the department. Some of the measures above and the further measures (listed below) will be put to representatives from the insurance and legal industries to decide what is in the best interest of the country, its citizens and the economy. The further measures considered include:
- A requirement for referral sources to be included on claim forms
- Requiring earlier notifications of claiming (much likes Sweden’s model which requires anybody injured in accident to go and seek medical treatment within 72 hours or be ineligible to claim)
- Reducing rehab costs via vouchers and defendants arranging their own rehabilitation
What it means for me?
So what do all the above points mean to you? Well in terms of serious injury covered by Sincere Law, thankfully not too much. Whenever you suffer a serious injury either at work, on the road or out and about you will likely need medical attention right away and will also have damages far exceeding £5,000. As a result serious injuries will most probably see no difference apart from the requirement to claim earlier rather than biding your time.
The main issues will affect those with “minor” injuries and will force all claimants to act quicker from accident to legal action. The insurance industry is predictably satisfied with the reforms although the reported savings in premiums to consumers resulting from these proposals would be a paltry £40 (not a lifesaving amount).
The legal industry has since pushed for insurers to pledge that this amount of savings will be passed on to consumers but uptake on the pledge has been slow to uptake currently. The legal industry has been looking to prevent the reforms for some time and continues to fight against them with the “Access to Justice” campaign.
Seeking legal help
If you have suffered an injury and need legal help yourself please call one of Sincere Law’s experts on 0800 092 2896 for free, impartial, conscientious advice. We specialise in serious injuries and know that the recovery time and aftercare needed to get through a serious injury case is far greater than normal personal injuries. With that in mind we ensure we have a network of qualified specialists across the country to deal with medical, psychological, financial and emotional needs following serious injury for the sufferer and their family.
To get advice on how to proceed with a serious injury claim for you or a family member, either call today or fill in our contact form to let us know about the injury. From there we can call you when convenient to discuss your best course of action.