Chris Wick is absolutely right to identify the importance of improving the take-up and acceptance of rehabilitation to help the injured back to their condition before an incident occurred (Letters, 11 August).

The ABI continues to argue that better rehabilitation is crucial in delivering fair compensation and helping insurers manage their costs.

However, it is not necessary to move to a no-fault compensation system to achieve these benefits. Indeed, research commissioned by the ABI shows that the value of pursuing reform within the current fault-based system could reduce costs by up to 40%, whereas moving to a no-fault system could actually double insurance costs.

Justin Jacobs
Head of liability, motor and risk pricing