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So you will receive more compensation if your flight is delayed than if you were in an accident. One of the problems is that no medical examination is directly involved in the report. In some cases claimants have been to the Doctor or A&E shortly after the accident but the actual report for Medco is completed with the honesty of the claimant. Allowing claims considerably after the accident doesn't help. Interesting that the insurers have convinced the Government that policies will reduce by £40 so the government have increased insurance tax by 20%