Accident claims go into overdrive

The amount of accident claims that are being made in this country alone has gone through the roof in recent years, and we are all feeling the effects of it. Be it personal, in a car, at work or wherever, it seems that if we trip over now and stub our toe somebody is to blame, and therefore must be sued. The definition of ‘accident’ is an unplanned or unseen circumstance or event, but it seems as if there is no such thing now.

Car accident claims have sent all our premiums sky high, whereas you can barely turn on the television without being bombarded with a deluge of ads telling us how we can engage the services of  a solicitor on no win, no fee  basis. What they are saying is ‘so you had an accident, come and tell us all about it, we will put a claim in against who you say is to blame, and if you win you pay us, and if you don’t, you don’t’.

This crazy claim culture didn’t exist just a couple of decades ago; if you fell on a dodgy paving stone and hurt yourself, it was just one of those things. Now, the cameras are whipped out to take photos of the offending paving stone, it is measured against those around it to see how dangerous this one stone is, witness accounts are taken and bam!, a  mighty claim is submitted to the local authority for pain, injury, loss of earnings etc.

Claims such as this are costing our economy millions  of pounds a year, something that we can little afford to lose, especially in these tough times. It seems as if the two are inextricably linked; people have less disposable income than ever, and the amount of claims goes up at the same time. We as a nation are cash strapped at the minute, but judging by all the claims being made on a daily basis, we are also a greedy one.

Now there are mutterings about how these big companies can afford it, and they are insured for this kind of thing etc etc, but it is hitting everybody else in the pocket so you are effectively taking money off your friend, neighbour and colleague. Companies pay out compensation, their premiums  go up, their prices go up, we pay more, it isn’t rocket science and his having a massively damaging effect on both the British economy and psyche.