The Institute and Faculty of Actuaries has stated that new legislation could help counter rising legal fees for whiplash claims.
In a report released today, the Institute said costs of whiplash injury claims are rising despite government efforts to reduce them.
But the report added that the Legal Aid, Sentencing and Punishment of Offenders Act introduced in April 2013 could potentially reduce the cost of legal fees.
The legal costs of whiplash injury claims are rising despite government efforts to reduce them, according to a new report.
The findings claim the average legal costs for small, whiplash-like third party injury claims now stand at £2,500 per claimant.
The report, by the Institute and Faculty of Actuaries, says this is a 15% increase from 2010, when the Ministry of Justice brought in measures to control such costs.
Whiplash victim Gavin Redman said: "I've been injured three times. If you've been involved in an accident, it's not your fault, why should you be made to suffer. It's just not fair.
"Each time I've been injured I've been to see a consultant who's gone through quite a rigorous examination of me, told me to explain all my symptoms. He's then made the diagnosis of how long it's going to take me to get better, nobody else."
James Dalton, head of Motor and Liability at the Association of British Insurers said: "Half a million whiplash claims a year. That's about 1,500-1,600 claims a day.
"The reality is that that is driving up people's car insurance premiums and the government is today announcing a set of proposals, that it is putting out to consultation to really crack down on the whiplash culture."
An independent medical panel will be set up to accredit doctors who wish to act as insurance examiners.
The system is designed to prevent doctors being faced with unfair pressure to support fraudulent claims.
The threshold for small claims courts is being raised from £1,000 to £5,000, so that they can handle all but the most serious cases.
It will also include banning "referral fees" where companies can profit from selling on someone's personal injury claim and stopping claims management companies from offering money or goods as an inducement to make a claim through them.
They will include rebalancing no-win no-fee deals so losing defendants will no longer have to pay a success fee or legal insurance premium to the claimant's lawyer.
Today's consultation complements law changes which will come into effect in April 2013.
Whiplash injury claims cost insurers more than £2 billion last year - adding around £90 to the cost of a typical car insurance policy, the AA has revealed.
The AA said that, over the past two years, claims for whiplash injury contributed to the biggest car insurance premium increases ever recorded.
There has been a reported 60% rise in personal injury claims related to road accidents since 2006, despite vehicles becoming safer.
And a 20% reduction in the number of reported accidents over the same period.
The Government will unveil plans to reduce the huge number of whiplash claims which have been pushing up insurance premiums.
Justice Secretary Chris Grayling will today launch a consultation on creating new independent medical panels to improve diagnosis of whiplash injuries.
This aims to ensure that genuine claims can still go ahead, but exaggerated, misrepresented or fraudulent claims are robustly challenged.
It will also consult on options to allow more whiplash cases to be challenged in the small claims court and to change the current position where it can be cheaper for insurance companies to accept questionable claims than to contest them.
Road crash cheats who make bogus whiplash claims face a crackdown in a drive to cut motor insurance. Daybreak's Nick Dixon reports from the Motor Insurance Repair Research Centre in Thatcham.