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Small Claims (Courts)

: Does the hon. Gentleman accept that one of the problems about costs and disproportionality is the way in which the insurance companies defend the cases—by running up costs, taking cases far further than they should and not paying up? If the insurance companies admitted liability and paid up earlier—as by definition they should, because otherwise they would not be paying compensation in the first place—the costs would be nowhere near as high as they are.