pinnacle costs & claims solutions Since the introduction of LAPSO the costs world has been a changing environment. Those changes are set to continue from 1st October with the SCCO pilot and the introduction of the new transitional provision and Precedent Q for all cost managed cases. The basis of 'Credit Hire' is well established. Where a defendant tortfeasor has caused the loss of the claimant's vehicle the claimant may obtain another vehicle to compensate when such is necessary. The decision to outsource your claims handling is one of the most important decisions you have to make. Get it wrong and you will lose any underwriting advantage you may have and more, but get it right and the rewards will speak for themselves.