A truck crashed into me on the motorway recently. Completely his fault, he didn't look before changing lanes and swiped my car and swung it about across a few lanes. Really scary.
Woke up a few days later with a really sore back, figured it would be get better within a few days, but it just kept getting worse and by a fortnight later it was completely seizing up at night, with sharp pains during the day when turning or lifting. I went to the GP who said it was whiplash, and I'd need physiotherapy or it would keep getting worse.
He said that he could put me on the NHS waiting list, but it would be 6 months, or I could claim through insurance for my injury.
I've never liked the claim culture, but I think this a legitimate reason to claim?