Re:Lawyers are the problem
I've been hounded by one of these personal injury claims companies due to a non-fault accident I had about a year ago (someone not paying attention hit the back of my car in a queue of traffic). I was not injured and therefore decided I need not claim anything other than to fix the damage to my car. However, on the one occasion that I actually spoke to one of these people they made me feel like I was missing out by NOT claiming. In fact, although I told them I was uninjured, I was told that "everyone else claims anyway", and "nobody could prove I did not get whiplash" if I decided to claim for it. I was practically being told that I should be dishonest and make a fraudulent claim for an injury I did not get.
It's this sort of shit that puts everyone's insurance premiums up and you can tell by the falling profits of insurance companies that it is hitting them hard (Direct Line for example swung around £450 million from £200m profit to £250m loss). If it were my decision, I'd make everyone attempting to claim from insurance take a lie detector test (or perhaps a random selection) - it'd still be cheaper than the payout on the false claims, and especially these no-win, no-fee type claims.
I've always objected to women paying lower insurance prices than men, and even thought about trying to get insurance from Shiela's Wheels and then taking them to court based on their blatent sexism. Every day I see women driving like idiots, either aggressively (one this morning almost took out another lane of traffic trying to veer between lanes queue-dodging) or "without a clue" - the latter of these cause plenty of accidents while hardly every being "at fault". Last Friday, three (yes three) separate women drivers almost caused accidents at roundabouts within my sight (one directly in front of me) by cutting across deciding they wanted to turn right from the left-lane.
So I agree that insurance should not be gender-based, just like it should not be race-based. At the same time, something needs to be done about the "injury" claims which are becoming more commonplace as I think it's ridiculous to seek a couple of grand based on having a slightly sore neck for a few days (or at least saying you did.....).