//Also how can I argue that she stated she was fine at the time and received very minor damage to the car??
If she had received an injury at the time should she not have called the police there and then??//
The symptoms of whiplash - a neck sprain or strain , caused by a
hyperextension ( neck whips backwards ) and and hyperflexion. ( when it goes forwards.) - does not always / usually occur at the time of incident .
Indeed it can take hours / days / weeks / months to develop
Medical opinion is that ' whiplash' can be caused at relatively low impact speed , as low as 5mph .
Unfortunately defendants are on the back foot with respect to these claims .
If I say to you my neck hurts - how are you going to prove it doesn't ?
// ..but I think your insurance company will tell her to go and take a running jump//
Really ? - Well , they could , but it wont do them any good .
You can make a claim for injury at any time , up to 3 years from the incident date .
What the insurance company should state in their reply to the claimant's representative , is that this was a ' Low Velocity Impact ' - those exact words should be used .
This will signal that they will be arguing as to the severity and duration of any injuries suffered .