I think involving the insurer is entirely correct, accepting a cash offer is helping them defraud their insurer and ensuring a bad driver suffers no proper penalty.
@spindrift started
London Fixed Gear and Single-Speed is a community of predominantly fixed gear and single-speed cyclists in and around London, UK.
This site is supported almost exclusively by donations. Please consider donating a small amount regularly.
I think involving the insurer is entirely correct, accepting a cash offer is helping them defraud their insurer and ensuring a bad driver suffers no proper penalty.