While i understand what your saying, until you actually experience whiplash then its fair to say you don't actually know what your talking about.
I got rear ended in my Audi sitting in traffic by a car at 30mph, was it my fault? no!
The first few months i could barely walk, i couldn't sit for long and i could't sleep as the pain was intense.
A year later i still have pain in my back and i am a healthy 27 year old bloke, i always used to swim, cycle and i had never made a claim before, but most of this has now stopped.
I used to take the **** out of all these people who claim and call them blind, but after feeling the effects first hand i can tell you it is not any laughing matter.
Don't get me wrong i'm sure there are many who do make false claims, but for those with genuine claims like myself, we are also the ones who get stung, my insurance has also gone up and for something which was not my fault.
All i can say is after all the hassle, pain and possible future health problems it is not worth the couple of grand you might get!
Blame the greedy solicitors and the insurance companies are just as bad!
I spent a year in physio, solicitors letters, loss of earnings, phone calls and all because some dickhead could not drive properly.