Whiplash reforms FAQs
Everything you need to know about the whiplash reform programme
What are the reforms?Close
The ‘reforms’ refer to the changes, introduced by the government, to low value personal injury claims caused by road traffic accidents.
The Ministry of Justice have instructed the Motor Insurance Bureau to create a self service portal that the public can use to submit their personal injury claims if they are under £5,000 in value for the injury part of their claim and under £10,000 overall.
When do the reforms come into place?Close
The reforms came into place on May 31st 2021. Whether or not your claim falls under the new reforms depends on the date of your accident. Only if your accident happened on or after May 31st 2021 will your claim fall under the new reforms.
What are the major changes that affect me?Close
There are a lot of major and minor changes but we think these are the headline areas effecting the consumer;
What does OIC stand for?Close
The OIC stands for Official Injury Claims which is the service created by the MIB to support the new reforms. Learn more about the different terms used in a personal injury claim here.
Do I need legal representation?Close
If your claim falls under the small claims umbrella you can represent yourself and use the MIB’s claimant portal to submit your claim. However, there are a number of reasons why you might benefit from legal representation and the support and advice that comes from using a law firm including understanding what you can claim for and navigating negotiations with insurers.
What will my claim journey look like?Close
There are some key differences in how your claim journey might differ after May 31st view our claim timeline here to see the key milestones of a post reforms claim.
What is included under the new reforms?Close
Which type of claims are not affected by the reforms?Close