There is a strong case to be made for obliging the insurer to accept liability if it directs a case to go before the PIAB. There must be a potential penalty for an insurer with regard to the PIAB ruling. Otherwise, there will be a serious risk that insurers will cherry-pick the forum and effectively force claimants to go before the PIAB and subsequently before the court. I know the Tánaiste does not envisage that happening but it could well happen in a number of cases, if not in the majority thereof.