Crashed last night :(

[TamSV]

Originally Posted by Woogie

My claims handler specifically told me they have paid the money on a none purger basis

He probably said non prejudice basis, but what he actually meant was the offer was made "without prejudice".

The other guys insurers think their driver is either wholly or partly responsible so they're definitely going to be paying something. Better to pay up quickly and reduce any additional claim for loss of use - hiring a bike/alternative transport etc. Any savings they could make by establishing, say 6 months from now, some degree of fault on your part would be eaten up by all those additional costs.

They often call it a goodwill gesture but it's not because they think you're a good lad and they want you to have some money . It's just the cheapest way for them to deal with it.

However, they also know there's a personal injury claim coming and the passage of time won't affect the value of that part of the claim, so they can take time to investigate that properly.

They don't want to admit liability now because that would just tie their own hands if further evidence comes to light that might benefit them in negotiating the injury claim (which can often be a far bigger deal than the vehicle damage) so the offer for your bike is made without any such admission.

That is exactly how I thought it was

Glad someone far more eloquent and knowledgeable came along