Association of Personal Injury Lawyers
A not-for-profit organisation representing injured people

Insurers should not be allowed to 'shirk' their responsibilities, lawyers warn

11 May 2017
APIL news

Government must not pander to insurers protecting their own profits when deciding the fate of people who have been critically injured through no fault of their own, lawyers warned today.

Neil Sugarman, president of the Association of Personal Injury Lawyers (APIL) was responding to the Government’s consultation on changing the way compensation is calculated for people who have been catastrophically injured (the ‘discount rate’).

“In remaining the same for 16 years the discount rate failed to reflect seismic economic changes, which means injured people have gone seriously under-compensated for far too long. This is why it was corrected earlier this year,” he explained.

“Frenzied insurance industry rhetoric following the correction is designed to hide the fact that insurers have enjoyed a windfall in recent years at the expense of people whose lives have been shattered.   

“The formula for making the calculation does not require injured people to invest their compensation in high risk investments. This is exactly how it should be when that money is supposed to look after them for the rest of their lives.

“Make no mistake: this calculation, by definition, only applies to the most severely injured people who may need round the clock care. Their homes will need special adaptations for wheelchairs and other equipment, and they may never be able to earn a living again,” he said.

“This is all because they were injured through negligence. This could happen to any of us, at any time. The purpose of insurance is to cover these eventualities. The insurance industry must not be allowed to shirk its responsibilities.” 


Notes to editors:

  • APIL (Association of Personal Injury Lawyers) is a not-for-profit organisation whose members are dedicated to campaigning for improvements in the law to help people who are injured or become ill through no fault of their own.
  • For more information contact APIL's press and communications officers Jane Hartwell on t: 0115 943 5416, m: 07808 768623, e:, or Lizzy Freeman t: 0115 943 5431, e:
  • Visit the association's website at
  • • Follow @APIL on Twitter:

Past press releases

Lawyers call for law to change in child sex abuse cases, 26 Nov 2019
MoD plans treat veterans as a burden, 10 Oct 2019
Court fee hike risks pricing people out of justice, lawyers warn, 05 Sep 2019
Cut crashes in London by sharing safe driving tips, 21 Aug 2019
MPs and peers take up the call for bereavement damages reform, 16 Jul 2019
Further unfairness for injured people under extended fixed costs, 06 Jun 2019
Brighton solicitor defends justice in leading role, 22 May 2019
Injured people must not be forced to pay up front for medical reports, 20 May 2019

More past press releases

Head of Public Affairs
Lorraine Gwinnutt
0115 943 5400

Communications Manager
Jane Hartwell
0115 943 5416

Press & Communications Officer
Lizzy Freeman
0115 943 5431