A few months back my daughter was hit head on by a polish driver who was driving on the wrong side of the road :
the first insurance offer she rejected, so they made a more resonable offer the second time, and the polish driver was banned from driving with, driving without due care and attention and no insurance, he was also ordered to pay my daughters access fee of £200 plus all the other fines he had, he'll probably bugger off back to his own country before she see's any money from him.
So reject their first offer.