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

However, with Chelsea seemingly in firm control they slipped behind through no fault but their own.

BBC: Roma 3-1 Chelsea

The switch fault may also "cause an inability to deactivate the cruise control by depressing the brake pedal", the NHTSA said.

BBC: Hyundai and Kia in US car recalls

The current ones, for example, allow major shareholders to continue to control insolvent companies, even though the financial trouble is often their fault, says Tom McGowan, an international legal counselor in Taipei.

FORBES: The ghost of Chiang Kai-shek