Perhaps the greatest fault in the Bill as it stands is that it does not deal with the issue of liability, as the Minister has suggested this afternoon. It is in effect parked or set aside. Either party can revive it at the end of the process so that if one party dislikes an assessment, if it is too high for an insurance company or too low for a claimant, that party can go to court, not just to assess the value of the claim but to look at the whole claim anew, including the issue of who is at fault.