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Of course the one thing that never gets mentioned in these discussions, is the negligent driving that gives rise to any claim in the first place.

Remove the fear of your insurance premium being hiked substantially because the poor souls you rear-ended were in pain for six months and sought recourse accordingly and I fear minor accidents will increase ten-fold.

I am more certain that this will be consequence than I can ever be that savings will be passed on by the ABI's members.

The reforms are a tailgater's charter.