Mr. Declan O'Rourke:

The Deputy needs to look at it from the point of view that the savings are not as clear as that. It is easy to say there is a 60% reduction in the minor whiplash cases but there are still a lot of factors in this. We need to see the behaviour of solicitors, claimants and judges to see where this goes. For example, quite a lot of judges voted against this so it will be interesting to see where this will land. The solicitors will try to work with this as much as they can to continue to have high fees. Claimants are already looking at multiple injuries, and there is some activity to push cases higher with multiple injuries that may previously have just involved one injury. It is complicated. It will take time to figure out exactly what the discounts are. We have passed on almost all of the savings we believe are there now.