Average costs of whiplash injury claims are highest in Switzerland; the Netherlands comes in second.
Whiplash injury claims in Europe
The average amount of a whiplash injury claim in Switzerland is €35,000. The Netherlands comes second with €16,500.
After Switzerland and the Netherlands, Great Britain follows with €2,878, France with €2,625, Germany with €2,500 and Finland with €1,500.
This is evident from 'old research' from 2004 by the CEA, the European umbrella organisation of insurance companies.
Number of whiplash injury claims in Europe
This study also shows that the proportion of personal injury claims for whiplash is highest in Great Britain, accounting for 50% of all personal injury claims.
In the Netherlands and Switzerland, whiplash injury claims account for 40% of insurers' total claims burden. This figure is estimated at 13% in Finland, 9% in Germany, and 0.5% in France.
Whiplash in the Netherlands compared to other countries
In most European countries, it's assumed that the symptoms, limitations, and work incapacity caused by whiplash can last for a few months at most. This assumption, according to the research, doesn't necessarily appear to be based on medical grounds.
Only in the Netherlands and Switzerland is the belief that whiplash injuries can also lead to permanent complaints and limitations. Although, according to their own guidelines, Dutch neurologists are no longer allowed to attribute any degree of disability to permanent whiplash injuries.
While on the other hand it has been sufficiently established that in the Netherlands 80% of whiplash victims recover within a year, but the remaining 20% will very likely continue to experience complaints and limitations.
The result of all this, according to the research, is that personal injury claims in the Netherlands – compared to other countries – are higher due to (also future) loss of income and permanent domestic help.
Current status of whiplash injury claims?
The CEA has not conducted any new research since 2004. However, the CEA assumes that little has changed in the area of whiplash injury claims over the past 10 years.
It is even expected that an update of the research will lead to the conclusion that the Netherlands will overtake Switzerland when it comes to the amount of compensation for personal injury claims for whiplash.
The latter could (possibly) be because the judiciary in Switzerland has become “stricter” in recent years.
Whiplash victims and their compensation
It is remarkable that many whiplash victims consider the personal injury compensation awarded for whiplash in the Netherlands to be too low and unfair.
This sense of injustice seems to arise primarily from the limited amount of compensation for non-pecuniary damages for whiplash injuries. But it's also due to the doubts—almost routinely expressed by insurers—about the causal link between whiplash injuries and the alleged damages.
Finally, insurers – again, almost routinely – discuss the length of the period over which future damages must be compensated. Virtually no personal injury victim experiences the final awarded compensation as "full compensation" for their actual losses. This is all apart from the psychological impact of such a compensation process on these victims.
What insurers in Europe want to investigate is primarily their own business. But despite the Netherlands supposedly offering the highest compensation for whiplash, the average personal injury victim doesn't perceive it as such. This has all the consequences for the victim themselves and the image that exists and therefore persists of Dutch liability insurers in this regard.
(Sources: www.ced-conference.com and Schademagazine).
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What customers ask
Is your help really free for me?
Absolutely, our help is truly FREE.
Your counterparty is also obligated to reimburse your legal costs (i.e., our firm's fees). This is stipulated by law (Section 6:96 of the Dutch Civil Code).
At Van der Toorn Personal Injury, you'll receive a written cost guarantee upfront with a clear explanation. This also clearly states what you can expect from us and what we can expect from you.
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When can I claim personal injury damages?
You can claim damages for personal injury if you have suffered an injury (been injured) due to the fault of another person
Personal injury can be caused by, for example:
In addition, you may think of injuries sustained during:
- organized trip
- unsafe product or
- fall at someone else's home, in a shop or on the street
It's best not to wait too long to file a personal injury claim. It's best to do so immediately after the accident.
Even if it is not yet clear at that time what your injury and its financial consequences consist of.
However, someone else must liable and must have taken out liability insurance for this (AVP/AVB/WA).
However, even if you caused the accident yourself, you can sometimes still claim compensation for personal injury. For example, if you SVI (Passenger Injury Insurance) or SVO (Opzittende Inschadende).
Are you unsure whether and when you are entitled to personal injury compensation?
Don't hesitate to contact us now for a free, no-obligation consultation. It's free , and you'll know exactly where you stand. Afterward, you can decide for yourself what to do with our advice.
What injuries do you treat?
We can actually help you with all types of personal injury
Van der Toorn Personal Injury can help you with all types of injuries. We specialize in handling "serious personal injuries," such as:
- brain injury (ABI)
- spinal cord injury
- burns
- dystrophy
- bone fractures and
- cosmetic injury.
But of course, we are also very happy to be there for you if someone else has sustained an injury. Such as neck injuries, whiplash, back injuries, bruises, sprains, dog bites, temporary injuries, and you name it.
We cannot help with all types of personal injury
The only thing we cannot help you with is personal injury caused by:
- violence
- medical errors and/or
- situations of abuse.
In that situation, we will of course refer you to a party that is specialized in this.
Always request free, no-obligation advice on personal injury claims
Do you have questions about your personal injury? Or are you unsure if we're the right place for you?
Please do not hesitate to ask us for a complete and free, no-obligation personal injury claim consultation.
When should I contact you?
You don't have to! But it's in your best interest to contact us as soon as possible
Only then can you be certain that there is someone who thinks solely of your interests . Because that is our job: thinking of *your* interests.
But what is: as quickly as possible?
Sometimes an insurance company will contact you very shortly after the accident. They'll ask how you're doing and also ask for all sorts of other information.
You cannot know whether that insurer is asking “too many questions” from a legal perspective. About your health before the accident and which doctors you visited. You would rather avoid that, wouldn't you? So never wait too long to engage a personal injury firm.
It's also likely that you'll quickly incur significant expenses . Or your incomemay disappear. We'll handle the initial damage payments from the other party. Then you can focus on your recovery.
Would you like to know what's best for you? Don't hesitate to contact us , without obligation
We'll give you clear advice right away . Then you can decide for yourself what to do with it.
If we think we can help you, we will let you know right away.
At the same time, we guarantee that our legal assistance completely free of charge .
To learn more about our FREE personal injury assistance services, click here.
What personal injury compensation amounts am I entitled to?
The personal injury compensation amounts you are entitled to are:
Allowances for additional assistance, such as:
- household help, shopping, taking children to school, etc.
- help in the garden and
- help with the maintenance and painting of your home.
In addition, your personal injury may have consequences for your income, such as:
- income that is not fully paid (self-employed person, temporary worker, zero-hour contract, etc.)
- no more irregular hours allowance
- no longer being able to work overtime
- missed promotions and
- missed pension accrual
Finally, you can consider other equally important personal injury compensation amounts, such as:
- Study delay
- Reintegration costs for guidance to other work
- Costs associated with admission to a hospital or rehabilitation center
- Travel expenses
- Medical expenses
- Non-pecuniary damages
- Economic vulnerability
- Statutory interest
- Furthermore, all costs that you would not have incurred without the accident…
- For example, the wages you did not receive because you could not go to work.
- Gasoline because you had to go to the hospital or the physiotherapist.
- Medicines that were covered by your deductible.
In addition, you are always entitled to compensation for pain and suffering, also known as non-material damages.
This is compensation for "loss of enjoyment of life." Your damages should compensate you for your grief, pain, and anything else that might have made you less happy than before the accident.
Unfortunately, Dutch law is not generous in awarding damages for pain and suffering. Therefore, the amounts awarded in the Netherlands are not considered "fair enough.".
If you'd like to learn more about non-pecuniary damages, click here. If you'd like to learn more about personal injury damages, click here.
Calculating non-pecuniary damages
Calculating non-pecuniary damages:
You are always entitled to compensation for pain and suffering. This is the "non-pecuniary component" of your personal injury compensation.
What is non-pecuniary damages?
Pain and suffering compensation is not in itself a “hard legal term”. It is compensation for damage that cannot be expressed in monetary terms.
So, everything that doesn't fall under additional costs or lost income. It's essentially compensation for your "mental damage.".
How to calculate non-pecuniary damages
People often ask us at the very beginning of their personal injury case how much compensation they are entitled to.
That question is actually impossible to answer. And any personal injury lawyer who claims otherwise is mistaken.
When can you calculate my non-pecuniary damages?
Your compensation for pain and suffering can only be definitively determined at the end of your personal injury case.
Only then will it be known what psychological consequences your injury has had and/or will have for you.
Because it is the psychological consequences that largely determine your compensation for non-pecuniary damages.
Important factors in calculating non-pecuniary damages
Important factors for calculating your non-pecuniary damages include:
- the nature of your injury
- the severity of your injury
- your age
- your gender
- your level of consciousness
- whether you will have permanent scars and where those scars are located
- whether you have physical limitations that affect your quality of life
- how much pain have you suffered and continue to suffer
- how long your recovery period was and
- whether you have recovered at all or whether there is permanent damage.
Indication calculation of non-pecuniary damages:
We cannot predict exactly how much your compensation for non-pecuniary damages will be.
What we can do is give you a general indication of the amount of your compensation for pain and suffering.
If this sounds appealing, contact us today for a free, honest consultation. Afterward, you can decide for yourself what to do with it.
We are happy to help you calculate and claim your compensation for pain and suffering and other personal injury damages, such as your additional costs and lost income.
And if you choose our legal assistance, we guarantee you in writing in advance that our assistance will always FREE .
Calculating non-pecuniary damages? Ask for advice! We're happy to help. Want to know more about calculating non-pecuniary damages? Click here.
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