A report of claims numbers and activity was published yesterday. The data has been released in aggregate, i.e. for the full three months of June to August, rather than broken down by activity each month. For that reason, we are unable at this stage to analyse trends but the OIC report nevertheless provides useful breakdowns of the aggregate data. As the online publication from OIC is both brief and an easy read, we shall not summarise it further but simply pick out some key features, below.
- Total notified claims of c. 46,000 (just under), comprising 90% represented and 10 unrepresented cases.
- Combining with Claims Portal data over the same three month period (c. 52,000) gives a total of 96,000 low value motor claims from June to August. Breaking the six months before the OIC portal was launched on 31 May into two periods we see slightly higher throughputs of 106,000 and 114,000 cases over those three month periods.
- Represented claims in the OIC portal are brought by law firms, 74% and ABS business, 26%. Claims management firms account for less than 0.5% of represented claims (which is not to say they are not involved in other ways).
- A liability decision was made in just over half (54%) of claims and the 90:10 represented: unrepresented split in overall case numbers is carried across to the breakdown of liability decisions. As to the detail of the liability decisions, in represented cased 84% were ‘liability in full’ compared to 95% in unrepresented cases.
- Exceptional injuries/circumstances were raised in 24% of represented claims compared to 40% of unrepresented claims.
- 94% were tariff claims, being 33% pure tariff claims (ie whiplash only, or whiplash and minor psychiatric harm) and 61% involving the tariff and a non-tariff injury. The fact that 3 in 5 cases involve valuation of mixed injuries – on which there is no guidance – clearly underlines the importance of early market moves to identify test cases to secure guidance form the courts.
BLM has developed an electronic OIC Portal Injury Calculator to support valuation of mixed injury cases in the new portal by combining the tariff bands with Judicial College Guideline figures for non-tariff minor injuries.
Please contact your usual Motor or ‘KYO’ contacts at BLM to find out more about our OIC calculator or if you would like to discuss any aspects of the recent OIC data in further detail.
Alistair Kinley, Director of Policy and Government Affairs at BLM (email@example.com)