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I'm sorry but this halfway house of an adversarial tariff system is doomed to failure.

in the interests of full disclosure I am dead against these reforms. However, if your going to have a tariff system it needs to be on a non fault basis funded by the insurance industry. This would remove the outrageous inequality of arms that these proposals bring.

If you were an insurer under these proposals whats to stop you denying everything but the most straight forward passenger claims?You know very few people will issue proceedings against you and even if they do you only have your own costs to bare which can all be brought in house if needs be.

Even as a seasoned litigator am I willing to sacrifice an issue fee, medical report fee and a my free time over a couple of months for the sake of £225?

This has all the hallmarks of a racket.

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