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Either ban referrals full stop. If possible ban AMCs- who needs them? Also legislate against credit hire and credit repair. The farming of claims, staging of accidents stops almost overnight as both behaviours are driven by the more dubious AMCs/ Hire companies (often one and the same in all but name).

Here is the model for the legislation- 1) Credit hire is now illegal; 2) Credit repair now illegal; 3) All insurance policies must be comprehensive and all insured's must put their claim through their own insurer; 4) All insurers must supply a courtesy car (no luxury vehicles); 5) Only an insurer can pursue a claim for bent metal or the courtesy car (rates for latter set by a panel).

Everyone in this game realises the main driver of claims is no longer whiplash, but credit hire/ repair, and more recently add-ons such as hooky rehab claims.

If not possible to ban AMCs, anyone who accepts any referral without evidential chain that the claim was not obtained through cold calling (so proving where it came from to the referrer) gets struck off. All claims to be audited once a year.