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There won't be many, if any LIPs, that is the point. LIPs won't have the legal knowledge to bring a claim, to be able to plead negligence, to amass sufficient evidence and in the correct format to support their claim, to afford the cost of a medical report, medical records if required, the issue fee and the hearing fee (£730 for a claim up to £5k without medical records). The savings to the insurance industry will not merely be the £40/£50 per policy they say if these proposals come in, it will be all the millions in under-settlements (assuming they settle any at all-why would they when a LIP is faced with the cost and difficulty of proving their claim. All the insurer will do at best is admit liability , deny causation and put the victim to proof and there the claim will likely end) and the millions more where they deny liability and the victim leaves it at that. No more contrib payouts, just deny. No costs penalties if a LIP does manage to navigate the portal and the court system and wins a trial against the odds because you can put your house on the insurer being represented at trial.
If a certain insurer can afford to pay a dividend to its shareholders equivalent to £200+ per policy following the savings made from reduced numbers of claims and the LASPO reforms so far without passing any of those savings to its policyholders, why on earth would anyone believe any further savings would be passed on.
This government is as corrupt as the insurers are liars!