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Sadly such conduct remains commonplace and just part of the business when many consumers are delivered 'expert reports' which commonly transpire to have been manufactured within claims handling offices by untrained, unqualified individuals posing as experts under the 'manufactured' titles. The realities remain such individuals merely produce the fabricated reports by following the predetermined instructions on a screen?

But then again, while the long-standing provisions required under the law such as ICOBS, SYSC and PRIN by insurers and their agents remain, evasions remain a good business, until caught out?