insurance payout advice?

[Dave20046]

Wow 2 years later and I've finally been offered a number with a £ infront of it from some nobs insurers.
Just wondering; is the general advice still 'don't accept the first offer'? I mean I don't mind waiting a bit for my dues... just I'm a bit worried the next offer will be in euros :neutral:

[timwilky]

What is it actually for?

bike values can be easily established, kit is a bit hit and miss and personal injuries are a nightmare and usually start from the premise you are trying it on and offer a 10th of what the claim may be worth, just to see if you grab.

It took 6 weeks to settle my bike claim and 5 years to settle the personal injury

[Dave20046]

What is it actually for?

bike values can be easily established, kit is a bit hit and miss and personal injuries are a nightmare and usually start from the premise you are trying it on and offer a 10th of what the claim may be worth, just to see if you grab
It's personal injury, just the fact they've let it go on for 2 years and never admitted responsibility so all my premiums have been sky high makes me want as much out of them as possible. Is that wrong?
However they have actually offered about 40% more than the solicitor reckoned they would (but he's a tosser).

[timwilky]

There is a list used for assessing personal injury value.

Best advice I would say is it is very early on, an initial offer is usually to test the water. reject it.

[Dave20046]

There is a list used for assessing personal injury value.

Best advice I would say is it is very early on, an initial offer is usually to test the water. reject it.
righto :salut:

[Bri w]

My original offer for personal injury was poor IMHO. The Solicitor thought it good. I said no, and 1 year later the offer was more than double. Settled out of court.

I got the feeling the Solicitor originally just wanted to close the book and move onto his next client. I asked for, and got, another medical + two MRI's - proving further damage.

I was advised after the 2nd offer that to take it to court, after a good offer, was a risk. The judge might have made me pay all the costs.

Its nice just to put it behind me, and move on.

[Dave20046]

I got the feeling the Solicitor originally just wanted to close the book and move onto his next client. .
That's the exact same feeling I'm getting...

[plowsie]

If its not too personal, is it a cheque or just in writing?

[Dave20046]

just in writing.

[plowsie]

Ah okay fair enough.

[ophic]

I got over £1000 for a bruise. I declared it as a bruise and didn't want to make a fuss over it, wasn't going to pursue it as an injury claim, but the other party's insurer made the offer. So I accepted before they changed their minds :D

[Dave20046]

I got over £1000 for a bruise. I declared it as a bruise and didn't want to make a fuss over it, wasn't going to pursue it as an injury claim, but the other party's insurer made the offer. So I accepted before they changed their minds :D
Sounds about right, a couple of bruises were on the list of sustained injuries ....

.....http://www.amity.fieldfaring.org/oldnews/archives/Plums.jpg :-dd

[speedplay]

I never take the first offer.

Last time I was arguing with some kn*b who said he could replace the bike for 15 hundred when I couldnr find one like for like for less than 3k.

His answer was that as he was a low mileage rider he would get a high mileage bike and when he had finished with it, it would be about right.

After pointing out that I was a high mileage rider and that he was being a t1t, I asked to speak to someone with a brain...


Needless to say the offer was upped from 15 hundred to 3.5k.

NEVER take the first offer.