A friend in the insurance business gave me an excellent rule of thumb for these things:
The first offer is what they hope to get away with.
The second offer is what they think they can get away with.
The third offer is the maximum amount they will pay without going to court.
Always turn down the first two offers and accept the third.
And keep hold of the origanal handset, until the matter is sorted. The same with everything else that may be claimed for. Clothes, make no attempt to clean them.Yes, that's not unusual. My point was that if the OP needs a phone, he'd be best replacing it and submitting the receipt as part of any claim
How quickly did they make their first offer?
It's well worth waiting until everything is resolved, otherwise you don't know the long-term prognosis.Yea, I'm still waiting on the second offer. They are awaiting a report from my physio, I need to see another medic, and I am still not pain free so I shall be waiting (told it could be another year to be painfree from the scarring and another 2 years for the numbness to go)
Five months from the date of the incident in my case. Just checked.How quickly did they make their first offer?
No indeed, I'm fortunately not in any great rush for the cash lostIt's well worth waiting until everything is resolved, otherwise you don't know the long-term prognosis.
And keep hold of the origanal handset, until the matter is sorted. The same with everything else that may be claimed for. Clothes, make no attempt to clean them.
If you are asking me... it was well over a year. But we then had to too and fro over physio costs, then they offered a part 36 which we turned down, had to threaten court and then they paid up.
Unfortunately that's exactly it: if they know someone is desperate for cash, they are likely to lowball their offers.I think that's part of the process. Wear you down to a point at which you'll be willing to accept any offer they make to you.
I'm aware that the longer it goes on and if it seems like you're asking for "money now!" then the offer will be low.Unfortunately that's exactly it: if they know someone is desperate for cash, they are likely to lowball their offers.