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Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: Do companies ever mention Deputy Doherty?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: Are they getting all of that?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: We can deduct from that. The Deputy asked a question and I want to follow up on it. I will move to the internal workings of the group. Does Ms Murdock just accept the information from her members on any issue, for example, on how much each insurance company spends on legal fees? If she gets that figure, is she able to ask them why the figure is so high and what is the cause of that? Is...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: No. I am asking Ms Murdock what she asks her members. In every group of members, regardless of who they are, there will be those who will fleece a customer, those who might be helpful to a customer, those who might take short-cuts or those who might use an illegal angle to bully somebody out of a claim. When Ms Murdock sees something odd like that happening, is it the type of organisation,...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: No. I am just asking. Does Ms Murdock talk to her-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: I am not asking Ms Murdock to talk about individual cases. I am asking her the question because I have come across cases where, in the context of trying to resolve the issue, it has cost more money in legal fees than the solution would have cost. The insurance company and its legal representative do nothing more than use their legal muscle to bully the person who is making the claim off the...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: What are they?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: It is cases like the one I mentioned that is driving up the cost of legal fees.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: I am talking about the behaviour of not all but of some legal firms that decide they are not going to have this and start exercising their considerable muscle to deal with someone who does not have the same muscle base.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: No. I want Ms Murdock to answer them because I want to know-----

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: -----whether the organisation takes an interest in that level of scrutiny with the companies it represents. That is all I am asking.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: I am not asking Ms Murdock to do that. I am simply asking whether she says to them that we have had a complaint and that the company should look at it, without influencing it one way or the other.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: Yes.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: I am more interested in Ms Thornton's first comment.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: Does the organisation drive good standards?

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: I have another question on general insurance. The organisation's member companies cannot do anything about a person to whom a company sold an insurance policy unless that company is instructed by that person to acknowledge the case or to act on his or her behalf. Is that correct? If I have an accident and I advise the organisation the other party has insurance but will not produce it, it...

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: -----not to act unless the company's customer says he or she will allow it to act on his or her behalf. I thought it was a case that insurance companies settle claims regardless of whether the customer of an insurance company likes it or not.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: In the place of the policyholder.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: Where that does not happen, and to return to the driving of high standards, Ms Thornton can then mention this to a company.

Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach: General Scheme of the Judicial Council (Amendment) Bill 2021: Discussion (4 May 2022)

John McGuinness: No. Ms Thornton has answered the question.

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