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As usual, this policy is drivel, but it is a good time electorally to get this stuff through. Cloak it in virtue by braying about cheaper insurance, and stamping out fraud, and it becomes like motherhood and apple pie - difficult to argue against because you end up arguing against the claimed positive impact, not the principles. Anon at 3.55pm has a valid point too.

Will there be a definition of 'minor'? Or 'genuine injury'?

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