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Anonymous 14:58. Totally agree with your first paragraph. Which supports my argument of half truths in the APIL statement: ‘Insurance industry figures show quite clearly that the industry has made savings of around £500m a year since the last round of personal injury reforms three years ago but premiums have actually increased by 8% during the same period.’ not helping their argument when we all know it is flawed.

However, beyond that your response typifies what is wrong in the Claimant v Defendant, he said she said, hostilities. Not all lawyers are crooks out to fleece the public and insurers are not big bad corporations trying to do the same. If we had actually worked together (we have had enough chances in the past), rather than being content with mud slinging, then we wouldn't be where we are not.

I wonder if you have even a basic understanding of economics? It would seem not so I will spell it out in words of few syllables. If insurer A prices at £X and insurer B is £20 cheaper then insurer B will sell more policies. Insurer A will then have to either match or beat insurer B. This will continue until neither can afford to reduce their price further. That is why savings will be passed on.

On the compensation not being too high. Are you really telling me that, hand on heart, you believe a stiff neck for a few weeks with lingering effects for a few more warrants thousands of pounds?

You may read from this that I am 'on the insurers side'. I am not, I have worked both sides of the fence for many years before getting out a while back. My comment was solely in response to APIL's poor statement which could and should have done so much more.

So, let's be clear. £425 for a 6 month whiplash is derisory. However, £2000 is excessive. Raising the SCT to £5K would be perfectly reasonable - IF GDs were not also being slashed. Doing both is an attack on Access to Justice.

The result of the reforms will be many redundancies for both claimant and defendant representatives with very little impact to premiums.

Let's be honest, the recently announced rise in IPT and discount rate proposals has seen to that!