Settlement offer?

[Guest]

Hello. Back in Feb this year I was knocked over by a larger metal door that wasn’t padlocked at a local shop (when we had the very strong winds due to the storms we were having). I was hurt but not seriously. My ankle and my shoulder were sprained in the incident. Everything is ok now apart from my ankle which doctor has advised (via telephone consultation) that it seems like tendon strain. Long story short I have been back and forth with the insurance company and today I have had the following email. Do I accept this or do I risk them withdrawing and having to go to a no win no fee company which I not really something I’d like to do. Thank you for any advice.*

****We acknowledge receipt of your recent correspondence.
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We are only legally obliged to disclose information such as CCTV footage and the accident book entry if we deny liability.
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Liability has not been denied.
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In an attempt to settle the matter amicably we are prepared to increase to £1350
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We are obliged to point out that if our offer is not acceptable we are within our rights to withdraw it.*
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Payment of any settlement monies will be made by BACS.*
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You may seek legal advice or instruct a Solicitor at any stage if you feel this is necessary.****
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[des8]

I don't feel you can make a decision on whether or not to accept the offer until your ankle injury has been thoroughly assessed as*the ankle is a complex joint.

But if you are happy with your doctors telephone consultation, and if the pain is likely to subside over the next few weeks, the offer is probably about right. You know your own body!

At least the insurers are not denying liability (altho' probably not admitting it either!)

Bear in mind that if you do use a*no win no fee solicitor they will probably charge a success fee of 25% of your award.