but of course, if you're an insurance company you're not gonna start at the top end of a scale when negotiating a claim are you? And this "layman" did work in personal injury for some years. Of course the choice is yours and we don't know all the ins and outs of your case but think carefully about accepting a first offer and discuss with your solicitor why he thinks this is acceptable. All I'm saying is don't let your solicitor be lazy coz the other side are paying.To the op, ignore this. There is no way some layman on a forum can second guess an insurer, tell you what a court will decide or that a lawyer that knows your case is wrong. Not all 3, sorry.