The problem with the Civil Liability Bill (Steve Teale 25 August) is that it is totally misguided and ill-thought through.

Overwhelming insurance industry evidence shows that personal injury claims are not behind the high cost of motor premiums. The cost of these claims to insurers has fallen dramatically in recent years, while vehicle repair costs and tax have soared.

Any savings for motorists from the Bill will be in exchange for a reduction in the right to redress for injuries, which undermines the whole purpose of compulsory insurance. Meanwhile, insurance companies will secure hundreds of millions of pounds in additional profits because they won’t have to pay full and fair compensation.

The Bill also seeks to slash compensation payments for people with the most catastrophic injuries. People with life-changing brain or spinal injuries and their families will not be grateful for a £35 saving on a motor policy when the money for their care and living costs runs out.

If the Government wants to do something useful it should work on an outright ban on calls and texts which encourage dishonest people to make claims for injuries they do not have.

Brett Dixon

President

Association of Personal Injury Lawyers (APIL)