I don't believe that it's just fraud: the claims aspect adds drama and the drama makes it objectively worse.
I'm going through wiplash myself right now (mostly gone) and I think that too much drama played a major role. In my case not because of any claims situation, but because
having recently gone through an intracranial hemorrhage and because of having spent a year of my early career typing out neurosurgery reports from dictaphone. The result was that I wasn't sufficiently confident that it might be "just whiplash". Went on for months, with hardly any improvement, until a physiotherapist gave me a demonstration of just how capable those muscles are of creating the nastiest headaches. I'm quite convinced that this change to my mind was more important than the changed my neck muscles. I'd expect the drama created by the claims situation too have a similar effect as that alleviated hypochondrism I had, creating a link from claims to severity that isn't related to fraud at all. Fraud certainly exists, but its role might be much smaller that suggested by that link.
I remember that story from HN as well by the way, might actually have been a contributing factor in my disbelief/hypochondrism: "this pain is real, certainly not that thing that hardly exists outside of the American claims ecosystem". Beware of unexpected side-effects I guess.
(another factor in the difference USA vs rest of the world, entirely unrelated to claims, is likely the "unique" relationship with painkillers. Tho put it in perspective: I lost two trips to France to that injury that I had been looking forward to for months, but didn't take a single pill in the entire ordeal)
I'm going through wiplash myself right now (mostly gone) and I think that too much drama played a major role. In my case not because of any claims situation, but because having recently gone through an intracranial hemorrhage and because of having spent a year of my early career typing out neurosurgery reports from dictaphone. The result was that I wasn't sufficiently confident that it might be "just whiplash". Went on for months, with hardly any improvement, until a physiotherapist gave me a demonstration of just how capable those muscles are of creating the nastiest headaches. I'm quite convinced that this change to my mind was more important than the changed my neck muscles. I'd expect the drama created by the claims situation too have a similar effect as that alleviated hypochondrism I had, creating a link from claims to severity that isn't related to fraud at all. Fraud certainly exists, but its role might be much smaller that suggested by that link.
I remember that story from HN as well by the way, might actually have been a contributing factor in my disbelief/hypochondrism: "this pain is real, certainly not that thing that hardly exists outside of the American claims ecosystem". Beware of unexpected side-effects I guess.
(another factor in the difference USA vs rest of the world, entirely unrelated to claims, is likely the "unique" relationship with painkillers. Tho put it in perspective: I lost two trips to France to that injury that I had been looking forward to for months, but didn't take a single pill in the entire ordeal)