Mr. Michael Horan:

One of the problems in the past was that people would sometimes make a claim to PIAB, reject the award and then, effectively, almost make a different claim or add other things into the claim at the litigation stage. Now, thanks to the Personal Injuries Assessment Board (Amendment) Act 2019, there are provisions for the courts to take a view from a costs perspective. That is something the insurers are very alive to and very keen to push.