Eoghan Murphy (Dublin Bay South, Fine Gael) | Oireachtas source

There are obviously a number of factors that will have a bearing on an accident and what might come from that in terms of a claim, but our remit was to look at the costs involved in this process, in so far as they might be drivers for increased premiums. We look at the personal injuries commission and the idea of bringing forward more detailed granularity to the book of quantum or better definitions of medical injuries in order that people can get a better or more realistic award. That is where our focus has been because we have been looking at the different factors that we understand affect the price of the premium. Our focus was not to look at the wider picture of actually reducing the need for insurance, which is what the Senator speaks to.