An earlier Alberta University report points out that whiplash hardly exists in countries where you can't get insurance payouts for it.
Times, Sunday Times (2008)
He returned a 500,000 insurance payout after specialists gave him the all-clear to play again.
The Sun (2009)
While this is not a legal limit, exceeding it may have insurance payout implications in case of an accident.
Times, Sunday Times (2007)