Advice on personal injury claim through insurance in Motor Insurance Posted September 14, 2012 Thanks for your help. I have had some physio for it, but the insurance company have said I can have 8 more and thats it. My main concern is that I am kind of being told that I have an offer of £2k and 8 therapy sessions and thats it and I don't have a choice, I always thought this was kind of a negotiation process but they said take it or leave it so to speak. Does anyone know if I have any options? I know I could instruct a solictor but the insurance company said that will make no difference as they have offered me everything they can and instructing a solicitor will just waste time. Is it true or would I be able to negotiate on the amount and further therapy?