You are a claims handler for an insurer. On 1 April 2021, one of your policyholders, Susan was involved in an accident where her vehicle swerved onto the wrong side of the road and struck an oncoming vehicle. The driver in that vehicle, Martin who is aged 47, and two passengers Sophie, aged 19 and Dylan, aged 15, suffered injuries.

a) Explain, with justification, what steps Martin must take to pursue a claim for personal injuries, including reference to relevant time limitations. (10 marks)

b) Explain, with justification, how the procedure and time limits will differ for any claim Dylan may make for personal his injuries. (4 marks)

c) Subsequent investigations discover that Sophie was not wearing a seatbelt at the time of the crash. Discuss what effect this may have on insurer's liability and the claims process. (6 marks)

d) These investigations also revealed that Martin is claiming for loss of earnings using falsified documents and that he is also continuing to work. Citing relevant case law, discuss what action the insurers may take. (10 marks)