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QShould I accept first offer from insurance company for whiplash injury?

I got a letter from the solicitors my insurance company assigned me to deal with an injury claim after a car accident that was the other persons fault. Finally after 10 months I've got an offer, but it's about 20% less than what the doctor valued my whiplash as. My solicitors seem to imply that I should accept this, and that the only alternative is to start court proceedings, that this would take a long time, and I probably wouldn't get much more anyway. What should I do?

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