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I posted on the insurance board a thread related to this topic.
It seems a bit late in the day - but regardless of what your son may have said on the phone when he 'accepted' their offer, your son could always speak to the insurance company and confirm that you will only accept this increased offer as an without prejudice interim payment only.
I would also follow this up with a letter confirming this. The offer is not normally considered as accepted until the cheque is banked anyway, and these caveats (without prejudice, interim payment only etc) just mean that he can bank the cheque , whilst still leaving the door open for further negotiation.
This will enable your son to at least be in funds to start making arrangements for a replacement vehicle, take some time to review any evidence that he can get to support a further increase in the valuation, or perhaps after a bit more research he may feel that the offer might have been fair.
Pleased to hear he wasn't hurt in the accident too :cheesy:
All posts made are my own opinions and constitute neither professional advice nor the opinions of my employers