A further argument refutes the suggestion that producers are in the best position to insure against injury from defective products. As far as injury to property is concerned, that may be true – since many people have insurance for cars and household contents, strict liability for damage to such property may be nothing more than double insurance. However, the argument is much weaker when it comes to personal injury. It can be argued that since the risks of product innovation came with the potential for huge social benefits, society, rather than individual producers, should pay when the risks cause harm, in the form of welfare benefits rather than tort damages. The argument for this as a reason for abolishing personal injury actions in negligence is a strong one, but it would require much better welfare provision. The suggestion that within the current system, product liability actions should be scrapped because people can claim benefits as a result of their injuries would be a recipe for lowering safety standards.