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This is my analysis of events:

Defendant firms and insurance companies skip along the lane, hand in hand. Both saying whiplash is bad, increase the SCL.

Insurers call for a ban on referral fees and the whiplash culture - but then go on to buy massive stakes in Claimant firms and no referral fees and they are helping themselves to direct data and passing the claims on to themselves for no charge.

Insurers start ABS firms and defending claims themselves. Local authorities do likewise.

Defendant firms realise they've been stitched up like a kipper despite the Claimant side warning them of this all along (though Claimant lawyers are like the first time buyers. No first time buyers, no housing market).

But Defendant lawyers, seldom having had to start an enterprise from scratch and only have to work their way up the ladder don't really understand how it all works. Well I've been here for 14 years Dave. First I was a trainee, then an Assistant and then an Associate and now here I am as.... you get the picture...

So now we have insurers running the whole market. Claimant and Defendant. And not a private practice lawyer in sight.

Who said conflict of interest....