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Champerty and Maintenance? Old English law which said you can't pass on your liability to a third party. Brilliant law, largely lost in the commercial cut and thrust of the modern insurance world and now compromised in some commonwealth, common law jurisdictions including England & Wales, USA and Australia. What if the insurers simply kept out of the dispute entirely until justice was established? Or if they must, made offers to settle through their in-house legal team to the claimants solicitors in the conventional way? Why should insurers or their lawyers avoid the convention that you don't speak to the other party direct when they have legal representation? We should have a way to hold onto and maintain these principles of legal practice. In any event, I see no reason why the insurers are not bound by the RTA protocol very helpfully set out by Anon at 09.30.