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Summary Judgment is a powerful tool and used to be used in the QB as a short route to judgment against obvious debtors. There has long been a judicial reluctance to use it when in reality only a trial on the evidence would do. That reluctance seems to be being tested by insurers with deep pockets who don't fear an adverse costs order upon rejection. Here's an idea. Have a rule that an insurer who tries this stunt and fails (thus wasting everyone's time and money) has to give an immediate interim payment equivalent to 50% of the pleaded claim. Watch the applications dry up very quickly. There's nothing an insurer hates more than rapid compensation for seriously injured people. They would be offended by the very idea.