Two of the biggest insurance companies in the country are reporting less than 5% of fraudulent personal injury claims to Gardaí.
AIG referred just 2% of suspected fake claims to police last year while Zurich reported 4%.
Aviva - which reported 20% of cases - is also facing questions from an Oireachtas committee about the rising cost of insurance.
Its head of claims, John Farrell, says there needs to be more of a crackdown on the "compo culture".
"Our customer rear-ended a third-party, the cost of the damage was €80. There were no personal injuries reported at the time of the accident," said Mr Farrell.
"Some time after the accident - which is not unusual - we were presented with two personal injury claims.
"The first personal injury claim that went through the court was awarded €105,000."