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Like anonymous @ 3:17pm, I completely agree with Mr Twambley and Ms Scully but I cannot agree with Anonymous at 3:19 that the solution is for insurance industry to bring all repair and hire "in-house".

The cynic (realist?) in me would suggest that they will still use the same garages repair the vehicles and provide hire through third parties. Those providers will remain the same, as will their charges, they'll just bill the insurer direct.
A real market would function better; some kind of competition and tendering is required.

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