Yes, in practice it is a key step. Road traffic regulations structure the system of reasoned offer and reasoned response, and the 2025 reform requires that this documentary traceability is also reflected in any subsequent lawsuit.
The direct action against the insurer is subject to a one-year limitation period.
Yes. Property damage is only one part of the claim. You may also be entitled to compensation for injuries, long-term consequences, expenses, and financial loss.
It is advisable to review it before accepting. The fact that an offer has been made does not mean it is correctly calculated or that it includes all the compensation you may be entitled to.
No. What matters is not only the initial severity, but the overall impact: the recovery process, medical treatment, long-term consequences, expenses, and the effect on your daily life and income.