The volume of claims has reached its highest level since the introduction of the Personal Injuries Guidelines in 2021. The Guidelines may have prompted a downward recalibration of general damages but this has been accompanied by significant inflation in claimant legal costs and special damages, fuelled by rises in healthcare and living costs. Increases in both population and employment levels over the course 2023/2024 means we can expect annual new claim numbers to rise to approximately 25,000, with the legal costs associated with circuit court claims in particular increasing. Although overall claim numbers will remain below the pre-pandemic average of 33,000, we expect that in 2025 claims settled via litigation will continue to represent the largest proportion of total liability claims costs to insurers in Ireland.