Martin Andrews, chief executive of the organisation, argued that giving at-fault drivers' insurers more control could mean they try to avoid ways of giving the not-at-fault driver a replacement car.

BBC: Car insurance market referred to Competition Commission

It found that insurers of "at-fault" drivers had no control over the amount spent on repairs or replacement vehicles by "not-at-fault" drivers.

BBC: Traffic

"The OFT found what insurers have known for years - that when a customer has a crash that is their fault, their insurer has little control over the cost of the subsequent claim, " said Nick Starling, the ABI's director of general insurance.

BBC: Car insurance market referred to Competition Commission