Mr. Joe Herron:

One problem costing insurance companies huge money is the fact that if one has a minor accident, with little or no damage to the vehicle, but somebody claims he or she hurt his or her knee, ankle or toe and claims €10,000, the insurance company will pay without question because it is cheaper than getting the lawyers involved. For that reason, the insurance companies do not bother fighting claims which they know are spurious rather than fraudulent. That is a significant problem for them.