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I completely appreciate the LG and the vast majority of contributors are defending their industry as is entirely their right. However any objective look at the PI market surely shows it is effectively a racket. The term 'pay out' is not pejorative, it adquately desribes a situation where a claimant who is involved in a very minor accident can legitimately get a payment for convincing a so called expert they have a bit of a sore back (and said expert will invariably cut and paste a standard report giving a standard prognosis). Of course the extent of any genuine injury will be subjective but this leaves huge scope for non existant injuries to be presented. In the case where there are genuine injuries, the proposals to compensate by way of cost of treatment are more reasonable than general damages. No one expects money if they wake up with a sore neck or back, why should it be any different because they are involved in a minor accident? As for credit hire this is actually more an issue than PI at the moment, the hire companies are an absolute disgrace and it should be banned, no ifs or buts.