hi i was in a car accident two years ago the insurance sompant actualy arrived at my door in regards to my car then made me an offer of 1,000 said that all i would get i got my solicitor to deal with it and recieved 20,400 as i was pregnant at the time PIAB is known just to have set rates for each injury and i wouldnt settle till you were 100% as i settled early and still suffer somtimes with my neck..your best bet would probably to get a solicitor to deal with it