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It makes perfect economic sense for insurers to routinely make pre-med offers.

Much as they will deny it, we know for a fact that the ABS, Get yer free Ipad, £2,000 up-front brigade operate a business model that can not succeed if each claim is individually considered by a person qualified to value that claim.

Therefore it follows that we know those claims will not be individually considered and they will go for whatever offer is likely to make them the most money.

If I were an insurer I would go one further. I would offer £1,500 and say that, no matter what transpires, if the offer is not accepted, the claim will be defended on liability and quantum, come what may.

At first blush that would cost the insurer significantly more in costs. But in reality, the scumbag firms would just weigh up getting £1,500 now or waiting 12 - 18 months for a Fast Track Trial to conclude, and take the £1,500.

The growth area at the moment is suing the likes of ******* ***** and so on for undersettling claims. There are even CMCs popping up trying to find cases!