Whiplash Injury Regulations 2021

Lord Thomas of Cwmgiedd Excerpts

Monday 26th April 2021 Grand Committee

[Lord Thomas of Cwmgiedd (CB) [V]]

As I said three years ago in Committee, I broadly welcome the tariff-based system. But today, as then, I wish to raise points in relation to advice, the proper operation of the new system, and the adequacy of the tariff.

I spent 20 minutes this morning watching the video of how this system is to work for unrepresented defendants. It is not easy, and the experience elsewhere has shown that it is difficult to devise a system whereby people can make claims online on something that is not very straightforward. I therefore wish to ask the Minister: what provision is being made to help unrepresented defendants understand the system, particularly those who are not as familiar with computers as Members of your Lordships’ House? Secondly, what advice will be given when a person has to decide whether the offer made by the insurers is a fair one? That is not an easy question. Will it be the CAB or some other third-sector provider, and what funds are being provided to cover this additional cost of the third sector, bearing in mind the immense pressure on it?

It appears that, unusually, the system that has been made has been designed, as the noble and learned Lord, Lord Etherton, stated, by the potential defendants. It is clear that an independent review of the operation of the system itself, as distinct from the tariff, is needed, and I very much hope that a properly independent review can be set up within a year. There should be no difficulty with needing the requisite figures; we just want to know how this is dealing with unrepresented defendants. As to the review of the tariff, I hear what the Minister has said, but I very much hope that, whatever the timescale for the review, it will be independent and the evidence will be published.