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"The report says measures such as raising the small claims limit to £5,000 and scrapping compensation for whiplash are likely to reduce incentives for both claimants and their representatives and ‘substantially reduce’ insurance fraud."

Nice balance. Denying justice to thousands of innocent victims of accidents so that the small percentage of those claims that are not genuine cannot be pursued.

Talk about throwing the baby out with the bath water. The level of bias in this report is beyond parody.

Where was the 'key finding' that the government reforms would lead to a genuinely injured claimants being told it is tough that they are suffering and not getting paid due to absence from work, as a result of someone else's negligence?

Where does it mention seriously injured victims of accidents (£5K general damages can be pretty nasty) on low income will suffer the most (eg part time etc who will find it much harder to get to the £10K limit based loss of earnings).

£5K general damages can have someone with pre existing injuries out of work for a long time.

Whiplash is a very unpleasant experience.

Without representation insurers just need to deny liability and hope claimant gives up because it is too hard for them to deal with legal arguments, navigate the CPR and go to court without resentation where someone will probably suggest exaggeration and therefore fundamental dishonesty.