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Firstly, I work as a Defendant to PI claims and I am not in agreement with the changes, however:

It has to be said that whilst I am in disagreement with the changes and the access to justice a normal person will have, as at the end of the day a claim is not always straight forward and especially when proceedings are required.

This has ultimately been created by the greed and tactics used within the PI industry, primarily AMC's - We see on a daily basis how they operate and pester, push and bully people into making claims when they had no interest in doing so. I accept that it is survival but they act in their own financial interest and not of any interest in justice. Referral fees do still exist and these AMC's play firms off each other continually which itself pushes them into taking on dubious claims.

There are a lot, and I do mean a lot of firms out there who are complicit in submitting fraudulent claims, exaggerated claims, fake hire companies and fake treatment providers. This is where there should be work to tackle, the SRA cherry pick what to investigate despite the serious concerns raised to them and have what seems little interest in the big issue.

It has now become common that if you are involved in an accident, injured or not, you are entitled to make a claim for PI. I do not for a second believe any savings on costs will be past back to a customer from the Insurers and there certainly will be no legal obligation for them to do so.

Ban the AMC's completely, go back to the days where Law Firms do their own marketing, advertising and push for work based on their reputation and skills. If someone is genuinely injured then they will inquire into it, they do not need 3 calls a day from the "Legal Eagle" telling you there is a pot of money set aside for them. who couldn't even tell you what CPR stands for, never mind having the audacity to tell you that they are concerned for your legal rights.

Insurers are getting pushed into a corner and this is their reaction, stop the crying about unfairness etc and look at the root of the problem and the culture that has been created, because for the majority it is unethical, misleading and self-greed of those that run them.