Concocted or exaggerated claims for whiplash injury are a pain in the neck – and the wallet – for honest motorists. It’s we who end up paying the cost of ill-gotten compensation payments and needless medical bills through higher car insurance premiums. The insurance industry reckons whiplash costs a typical motorist £90 a year on their premium. Around £60 of that is thought to be unjustified. A whacking great £2 billion a year, all told.