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The Civil Liability Bill is a lose-lose for everybody but the insurers.

The PI Industry needs extensive reform but not at the expense of the innocent.

The problem is so large and complex that it would be better to implement smaller and more regulated changes such as the introduction of s.57 Fundamental Dishonesty, which in my view, is beginning to deter your hardened fraudsters who set up sham accidents; 'slam ons' and fictitious accidents ultimately finding that they are slapped with 10k+ costs to pay.

CMCs pushing Claimants to bring fabricated or exaggerated claims is an area which should be focused and especially the ones brought by repeat Claimants who submit invoices by "Over-estimation Assessors Limited", "FakePhysioConsultants Ltd" and "Ghost Hire.Com Ltd"; all of whom will share common directors with the CMC itself. Typical of these types of claims - accident circumstances will be brief and confusing if not unreconcilable and the Defendant will not be afforded indemnity by their insurer as he has moved abroad or "disappeared".

This problem is exacerbated further by the reliance of small / medium sized Claimant PI firms on CMCs, desperate to take a cut of the pie.