Ms Verona Murphy:

I do. I believe there is no aggression in the market as there had been in the past. This is seen predominantly by people who are paying for it now. I do not believe that is the issue. I believe the operation and administration of the insurance companies and underwriters is failing and is not as adept as it should be, in the same vein as if an operator did not operate her transport company competitively, she would simply go out of business. Unfortunately, the operator that has left the market had a particular way of dealing with claims that did not lead to us being in the courts. While I do not mean to take issue with any of the concerns of the Freight Transport Association Ireland, I wish to highlight that we have the Constitution, as Senator Conway-Walsh pointed out, and it entitles us to go to court. If we are going to consider a model that holds that a person has to have treatment as opposed to a payout, we already have a serious problem with the health in this country. I do not imagine such a model would be fitting as a solution in the context of what we are here to discuss today. This is a feasibility issue, a competition issue. Yet, some new model can be looked at in the long term but we need a short-term survival solution to this problem.