My Lords, I spoke in favour of what is now Section 3 of the Civil Liability Act 2018 when it was before the House three years ago—and I have not changed my mind. It seemed to me that the case for the whiplash injury regulations that we now have was compelling. It was far too easy for claims to be made that would not survive scrutiny if they were to be adjudicated on by a court. They would be accepted by insurers because it was so much cheaper for them simply to pay up. Human nature being what it is, not everyone abides by the rules. There was an abuse here that needed to be dealt with. A decision to proceed in this way was taken then, and what we are concerned with now is the content of these regulations.
There is no getting away from the fact that the figures listed in each of the columns in Regulation 2 are quite modest. Indeed, some people have described
them as “derisory”. We have them, however, in the columns before us, and I welcome very much the Minister’s assurance that he accepts the Lord Chief Justice’s recommendation that a review in the light of experience be undertaken in relatively early course, after one year’s experience.
We note, of course, the opportunity for the court to increase the amounts payable by up to 20% in exceptional cases, and we should also note that Section 3(8) of the Act rightly provides that nothing in that section prevents a court awarding an appropriate amount for any other injuries the person may have sustained, which may well be the case in the ordinary road accident section. There is a risk, of course, that other kinds of minor injury will now take the place of whiplash claims. That will need to be carefully watched. For now, however, modest though the figures are, these regulations have my support.
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