While there are doubtless cases where some lawyers have milked the system to maximum benefit from a costs perspective, there are also situations where insurance companies have been slow to concede liability and negotiate settlements. I hope insurers will adopt a constructive approach to the PIAB and not seek to test the waters in cases before the PIAB and then decide to fight the cases if they do not like the award the PIAB issues, but that is their entitlement if they so wish. All that will do, however, is to introduce another layer of bureaucracy and cost into the system for delivering compensation to genuine claimants.