I work for one of those insurance companies have done for 13 plus years and the first advice I would give anyone is never accept the first offer, we EXPECT it to be declined.
That said....
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I am getting incredibly fed up with the whole situation and would like to simply draw a line under it and start my life over again.
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Is a serious thing to consider, is the extra cash worth all the hassle/stress you are going through? To some it is, others it ain't but money isn't everything mate and you seem to have your health
Take the money and run while your still young
no wait, screw the *******s for every penny they owe you
Now I can't decide myself