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Whilst many LIPs may be able to navigate the portal system on an admitted case; I really do wonder how they can be expected to litigate where liability/causation are denied and the case falls from the portal.

Think about how frustrating it can sometimes be to get yourself just to the starting line with DPA requests, forms for permission to serve outside of the jurisdiction etc. and that's just drafting your claim, never mind the ten page defence that follows.

Is it any wonder that 'deny-all' is being rumoured as the insurers' business model of choice going forward after the reforms. If 20% of LIPs facing a denial of liability choose to litigate I will be shocked.