Actually happened to the ex wife last year - car 2 in front of her jammed on the brakes, car in front stopped, she didnt & hit them. All got out, everyone ok - next you hear they all have severe whiplash.
Her insurers are contesting!
Insurance always seems to get bad press, but you never hear of the good stories or the claims that are paid out in days when bad weather hits, or the claims they do contest.
Problem is, contesting a claim can be just as expensive as just paying out so they do have a very fine line to balance.
Fraud is fraud though, anyone found out should be severely punished, but that just pushes their premiums up, so what happens, they drive round uninsured - its a vicious cycle.
Now bring back flogging 