Ms Sara Moorhead:

There is also the murkiness with the updated book of quantum. There is no reality to having an updated book of quantum unless it is based on the overall claims experience. The overall claims experience is that 70% of them are settled privately by the insurers who choose to contact the plaintiffs' solicitors and settle them. We do not know whether they have co-operated in terms of the up-to-date book of quantum and given detailed information to the Injuries Board to enable it to update the book of quantum because there would be no reality to it if they have not. It is one of the murky areas where we are simply not aware of what they are doing. It should be readily available and if it is, it gives them far better information on the claims picture. There is no point in having a book of quantum based on 30% of what is going on; we need a book of quantum based on 100%.

We must remember they have the choice. A plaintiff does not have a choice but to go to the Injuries Board. Frequently, a plaintiff is in the Injuries Board and someone from the insurance company picks up the phone to him or her and says, "Forget about the Injuries Board. Come down and we will meet you and we will pay you." However, we do not have the data.