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@David Crawford
Commented on: 30 January 2017 15:53 GMT:

"...So our liability law has come to that now, has it? A 'purported claim' becomes an 'actual claim' simply because the other side is insured, or the NHS, or a local authority, or a motorist, or a dog owner, or the police, or the fire brigade, or the ambulance service..."

Or indeed, David, someone who was drinking at the bar and fell off a bar stool (it has been recorded as a'claim').....