I am a motor insurance claims investigator and have noticed a sharp increase in spurious personal injury claims arising from minor road traffic incidents (particularly from Asian and Eastern European motorists). I am fairly confident that this increase in an already existing problem is linked to the recession and motorists are targeting insurers as a source of obtaining financial gain. I propose a solution, which I believe will slash insurance fraud significantly and eliminate whiplash claims. I propose doing away with the general damages financial settlement paid directly to the individual (which often varies between £500 - £2,500) and enforcing a system where payment for physiotherapy is paid directly to the practice, after therapy has been sought. This removes any financial incentive for either making a claim for a feigned injury or staging an accident for pecuniary advantage in the first instance. I don't doubt that the same rings of accident management companies, with their solicitors and medical examiners, will turn to setting up their own physiotherapy practices. However, this is only for the hardcore fraudsters and would at least cut down the individual opportunists who cost innocent motorists over £1bn per year in increased insurance premiums. No doubt some human rights activists will object to this idea. I invite them to examine some of our cases, which include gangs slamming on their brakes at roundabouts in front of old ladies.