Gerry Horkan (Fianna Fail) | Oireachtas source

I presume not every motor insurance claim involves a personal injury. There are tips to bumpers. We all know, anecdotally, that a bus could get a tip and all of a sudden there might have been 400 people on it. We hear these stories. I presume there are plenty of bumps and tips, with people reversing into pillars and other small stuff. These people probably do not even go to an insurance company in some cases and when they do, the settlement is €400 or €500 in damage and no personal injury claim. The cost of insurance claims is very much related to personal injury rather than material damage.