--- title: Layer Cake - Claimants chasing a larger slice with a cherry on top description: "Claimants are \"layering\" their claims to maximise their damages with defendant solicitors citing extra incentives to ‘layer-up’ claims with non-whiplash type injures because these types of injures are not subject to a fixed tariff." image: https://www.360globalnet.com/hubfs/Layer%20cake.jpg --- - [Home](https://www.360globalnet.com/en) - [What we do](https://www.360globalnet.com/en/what-we-do-in-360-words) - Company - [About us](https://www.360globalnet.com/en/about) - [Job vacancies](https://www.360globalnet.com/en/vacancies) - [Sustainability](https://www.360globalnet.com/en/news/360globalnets-inaugural-sustainability-report-2023) - Products - [No-Code Digital Claims](https://www.360globalnet.com/en/no-code-digital-claims-handling-platform) - [Unstructured Data Analysis](https://www.360globalnet.com/en/unstructured-data-management-and-analysis) - [Remote Site Visits](https://www.360globalnet.com/en/digital-site-visit-solution-with-live-streaming-collaboration-to-gather-evidence) - Services - [Subsidence](https://www.360globalnet.com/en/subsidence-claims-management) - [Drainage Repair](https://www.360globalnet.com/en/drainage-water-mains-repair-cctv-validation-site-investidation-drainage-repair-company) - [With You in 5](https://www.360globalnet.com/en/withyouin5) - [DR&R](https://www.360globalnet.com/en/drandr) - [Videos](https://www.360globalnet.com/en/digital-claims-platform-video-testimonials-and-overview-library) - [News](https://www.360globalnet.com/en/news) - [Contact](https://www.360globalnet.com/en/contact) UK [US](https://www.360globalnet.com/usa) [AU](https://www.360globalnet.com/au) [DE](https://www.360globalnet.com/de) [ES](https://www.360globalnet.com/es) [FR](https://www.360globalnet.com/fr) X # Layer Cake - Claimants chasing a larger slice with a cherry on top November 2nd, 2023 The Forum of Insurance Lawyers (FOIL) recently shed light that claimants are "layering" their claims to maximise their damages. Defendant Solicitors are citing extra incentives to ‘layer-up’ claims with non-whiplash type injures because these types of injures are not subject to a fixed tariff. Claims layering in this instance is the practice of boosting the value of a claim through claiming for additional injuries in addition to the whiplash type injury such as wrist, leg or abdomen injuries. The question, then, is how do insurers spot the components worthy of review? July to September 2023 data from the Official Injury Claim delineates that 29% of claims were either for Whiplash only or Whiplash accompanied by minor psychological claims, which is consistent with the reported 30% since the Portal's inception. The challenge is that the official Injury Claim’s data only breaks down settled claims between;           - Distribution between Whiplash Only & Whiplash & Minor Psychological           - Volumes & Average settlements between Injury Tariff & Injury Non-Tariff While the OICP data paints a partial picture, the real flavour lies beneath. To see what is going on in detail, one needs comprehensive access to 100% of available data. Enter [360Retrieve](https://www.360globalnet.com/en/unstructured-data-management-and-analysis): A tool that analysing a claim throughout its entire lifecycle. From First Notification of Loss (FNOL) to all Official Injury Claim Portal documents as well as all MOJ documents, to include medical reports from emails to image metadata, it's about examining every crumb. With regards to the different types of injuries being claimed, [360Retrieve informs the nature of any medical condition or injury](https://www.360globalnet.com/en/whiplash-reforms-within-the-oic-portal), together with any associated conditions. The technology understands prognoses and rehabilitation periods and identifies under-reserved claims. It’s then able to profile the Solicitors based on the type of injuries being claimed. 360Retrieve will highlight those claims where there are seat belt injuries to chest or abdomen in low-speed impacts, wrist injuries while holding the steering wheel or multiple injuries being claims for the same area – shoulder and clavicle and scapula. By deploying [360Retrieve](https://www.360globalnet.com/en/unstructured-data-management-and-analysis), you get to understand which claimants are getting the cherry on the top and which ones aren’t. You get to understand the exact ingredients of every slice of the cake. If you’d would like to slice into 100% of your data, get in touch today. 360Globalnet can help you with the challenges you are facing with the Whiplash Reforms and the Official Injury Claim (OIC) Portal. It’s time to deliver [analytical and profiling capability](https://www.360globalnet.com/en/claims-portfolio-profiling) for any type of claim across 100% of your available data. 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