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Aside from the very pertinent points set out below, and the fact that Government and insurers have had a passionate sexual and financial relationship which has resulted in King Cnut type legislation of the most disgraceful kind, there are one or two points here. Firstly we are generally part of a compulsory system of insurance, for RTA's El and PL. If insurers make their book properly ( risk v premium) then there should be sufficient sums to compensate victims properly. Secondly, insurers NEVER sit down and talk straight out of the gate. They simply fight. They have to be kicked in the financial balls about this if the govt are really serious about having less litigation. Thirdly, insurers in part get the way they do because of fraudulent claims. There is no solution to this but to sit down and talk to claimants. Again, insurers are not set up to do this, and they would rather die than co-operate with straight solicitor claimant firms. It's time for change, but the Govt will go on indulging insurers instead.