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Reply to anonymous @ 11:22 GMT

You sound like an shocking driver to be honest and as mentioned the panel firm have already been paid by the legal cover, if not then I'm 100% certain your claim handler in the first instance is your broker who then decides which route to take and as such the BROKER may take a referral fee way before any insurer is aware of a claim.
There is ZERO incentive for insurers to pay out compensation for injuries no matter how hard to try and do the maths

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