Firstly, your solicitor is correct in that if you accept the amount on offer and you then sign a full and final settlement, then your case is closed and you have no further claim against the third party should your injuries be ongoing.
Many legal expenses appointed solicitors will try and settle as quickly as possible as you are simply a number on their conveyor belt and they wannt you off their books.
As a rule of thumb, the quicker your claim is settled, the more liklihood there is of your claim being undervalued.
You are probably wise to wait until you get sent to see the independent medical expert who will prepare a report with a prognosis, and it is that report which will give your solicitor a better idea of what your claim is actually worth.
If your injury was sustained in October, and 12 months later you are stil experiencing difficulties, then it will be worth substantially more than Â?2,200.
It is also estimated that approximately 12 months after the injury was sustained, you wiill have a better idea of how well you have recovered or whether there is likely to be any ongoing problems. At this stage, it is totally unknown.
If you have already started the claim process, (whilst the money would probably be quite nice right now), don't short change yourself, and as someone who works in personal njury law, I would recommend that you wait until you have at least seen the independent medical expert before deciding whether to settle or not.
If you choose to have physio and you are required to pay for it, then this will be seen as mitigating your losses and you can claim these costs back as you are making a genuine effort to return back to full fitness.
Just make sure you keep receipts.
IIt willl also help you make up your mind whether you are likely to suffer any ongoing problems.
Hope this has been of some help to you.
