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And what do you do when an offer at £249,999.99 comes in on a case you genuinely believe to be worth, say, £275,000-300,000? Well, perhaps that question should have read,. 'what does your client decide to do when...?'

I can see this leading to a load of PII claims coming in for 'under -settling'. We all know how extremely grateful clients can be when you hand them a cheque for £249,999.99, but after a few pints down the local, a quick read of The Sun Law Reports and a chat with a member of your opposition and he's sending you a letter instructing you to pass his papers to your most loathsome competitor and asking who your insurers are and what is your policy number...