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'Tis a sad state of affairs.

I'm aware of well-to-do people who, having been involved in a RTC and suffered now injury, have made PI claims because they feel entitled to it. Equally, I know people who have suffered soft tissue injuries and haven’t claimed for no other reason than they didn’t want to. (I would be curious how they may offset one another.)

“Insurance man” may agree with me that this is a process which is regularly taken advantage of, and for insurers & govt to do nothing may be deemed as a form of complicity. That said, finding reasonable, non-intrusive and cost efficient methods to combat this kind of fraud (without either the tax payer or policy holder bearing the cost) seems most unlikely, especially if the genuine claimants are refused access to justice.

I have a certain empathy towards some insurers to reduce premiums with changes to Ogden rate, IPT, GDPR and legal aid reforms being so concurrent. Many of the 2017 “profits” have already been set aside by two insurers I used to work with to cover the associated incurred and projected costs for these to remain a going concern and to be fiscally responsible.

I expect to be deemed cynical for saying this, but when other countries do not appear to have the same problem, I believe this is a culture issue, which is beyond the ability of insurers, governments or solicitors to control. I for one am glad I am not tasked with reducing fraudulent/inflated claims and reducing premiums.