There is announced today a way of (allegedly) bringing down car insurance premiums by making life more difficult for PI claimants
Well, I do think that a distrust for insurers is natural and proper. I tend toward the miner type of scepticism, but transferred to insurers from lawyers. This may be strange because I come from a family of insurers (actuaries / Prudential), but my experience of them in practice as a lawyer did not suggest that a great respect was due.
Equally it is quite right to say that there have been substantial numbers of fraudulent and or exaggerated claims over several years.
Somewhere a balance has to be found. I am far mor elikely to be paying car insurance premiums than to be claiming for personal injury, but I cannot see any possibility that the insurance companies will not pocket as much as they can of any savings.