Why are first offers often too low?
Made before medical prognosis is finalised; before full loss schedule is prepared; insurer hoping claimant does not understand full value; some claimants accept out of financial pressure
When might an early offer be reasonable?
If injuries have fully resolved; medical report confirms complete recovery; all losses accounted for; solicitor advises it reflects true value
What happens if you reject an offer?
Negotiate through solicitors; insurer may increase; if no agreement, issue court proceedings; most cases still settle before trial
What is the risk of rejecting a Part 36 offer?
If you reject a genuine Part 36 offer and fail to beat it at trial, you may face costs consequences; link to /guides/part-36-offer-explained
How is the full value of a claim established?
Independent medical report; schedule of loss; solicitor's valuation based on JCG and comparable case law
Related questions
Can I accept an offer without a solicitor?
You can, but once you accept and sign a settlement agreement, the claim is final — you cannot reopen it. It is strongly advisable to get legal advice before accepting any offer.
What if I have already accepted a low offer?
If you signed a binding settlement agreement, it is very difficult to reopen the claim. However, if you signed under duress or with no legal advice, or if the settlement is unconscionable, there may be limited circumstances in which it can be challenged.
Can you claim? Find out in four quick steps.
Enquiries may be referred to SRA-regulated UK solicitor firms where appropriate. No win, no fee is subject to solicitor assessment of your individual case.
0800 000 0000Where did the accident happen?
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Sources
- CPR Part 36
- JCG 17th edition
- Law Commission — Personal Injury Compensation
This answer is editorial information about UK law. It is not legal advice and does not create a solicitor–client relationship. For advice on your circumstances, speak to a regulated personal-injury solicitor.