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What of a Defendant (driver/policyholder) in an LVI matter wherein the matter proceeds to trial and the Judge is satisfied on the evidence that the collision was more than imperceptible and was capable of causing an injury. Is that not F.D on the part of the Defendant driver/p-h? Is the mere fact that the Defendant driver does not obtain material gain enough to absolve him/her of culpability entirely? Is that person not being F.D in looking to actively the severity of an impact? Why stop at the Claimants? Why not reel in the solicitors and the admin staff as they are culpable too? Maybe the Claimants family as they are also co-conspirators. About as level a playing field as the surface of Mars.