Regardless of the PIAB, some claims will still end up in the courts. That is the reason there are three pillars to insurance reform. The Department of Enterprise, Trade and Employment looks after the industry, the Minister for Justice, Equality and Law Reform looks after reform in the courts and the Minister for Transport has responsibility, and has already taken action with the introduction of penalty points, to try to improve the area of road safety. The Minister for Justice, Equality and Law Reform has outlined his intention to progress the Civil Liability and Courts Bill which will reform the law on personal injury action and give effect to the further recommendations contained in the advisory board report.