While insurers blame loss-making underwriting for soaring motor premiums, two inquiries highlight other reasons - including fraudulent personal injury claims. So-called referral fees have also come in for criticism for adding an 'unnecessary layer' of cost. The steep rise in motor insurance, by around 38% last year, despite a reduction in the number of accidents, has aroused the interest of government. A judicial inquiry by Lord Justice Jackson has been focusing on civil litigation, while Committee has produced a report on reasons behind the hike in premiums and their implications.
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