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7 November 2004:
Report: Psychology, Personal Injury & Rehabilitation
The report referred to can be seen at -
Psychology Report
A one-day seminar will be held at the ABI on 29th November £85+vat
Up to 3 in 10 people who suffer a personal injury do not recover, for psychological reasons, as quickly as might be expected, according to a report published by the IUA (International Underwriting Association) and the ABI (Association of British Insurers). The study, produced for the IUA/ABI Rehabilitation Working Party by distinguished medical, legal and insurance experts, reports that between 20%-30% of personal injury outcomes are aggravated in some way by psychological factors; in approximately 5% - 10% of cases they can turn minor physical injuries into serious problems. Psychology, Personal Injury & Rehabilitation highlights how these issues crop up in practice and identifies opportunities for change. The problem, described by the authors as Apparently Disproportionate Outcome (ADO), helps to explain why many injury claims take much longer to settle and at far greater cost than first seemed likely. It also makes a significant contribution to sickness absence at work. “Whenever a claimant comes forward with an injury that you would expect to clear up quickly – a back sprain or whiplash, for example – it is important to bear in mind that it could become considerably worse for perfectly genuine psychological reasons,” says Ashton West, Chief Executive of the Motor Insurers Bureau, who chaired the panel. “Recognising these cases early and delivering appropriate interventions can prevent them from becoming unduly expensive.” The report acknowledges that it would be impractical for insurers, solicitors or rehabilitation case managers to actively consider the psychological aspects of every personal injury case at the outset. The key next steps for insurers are to: • Use this report as a source of information and guidance • Consider psychological factors, and the suggested opportunities for change • Seek to develop tools for better case management within the current framework “Simply knowing that psychology has the potential to influence all types of injury cases is a good start,” says Dr Andrew Auty, who co-ordinated the research. “We favour a stepped approach, where the level of psychological intervention increases as and when it becomes necessary.” The report has been welcomed by both the IUA and ABI. “The approach set out in the report will be good for injured people and good for their insurers,” said Eamon Brown, chair of the IUA-ABI Rehabilitation Working Party.
The report can be seen at -
Psychology Report
A one-day seminar will be held at the ABI on 29th November £85+vat
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