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@Anonymous Commented on: 24 February 2017 12:44 GMT:

Now answer my question.

I think it might be ICOBS.

So tell me now, can either an insurer or their intermediary (i.e. referrer and payor (?) for insurance (possibly going as far as dual insured, (client and they) if they are conducting settlement and putting claims into litigation as claims handler including selecting solicitors), take a referral from a garage and if so where can one find out what payments were made actually or prospectively to that garage?

Is that referral actually allowed? Obviously for short period in PI until April 2013 they were, but generally so for litigation?

At what point do you then have to tell the Insurer where your business has come from (if they don't know) and what you have either paid for it or as a percentage will be paying for it (from that garage)?

Ditto I suppose the Solicitor when the Claims Handler CMC refers on (by which time the insurance policy is in place to cover adverse costs) ....