Accept pain money or not???

Hello! I have a question…. don’t know if I’m right here… It’s about the fact that I had a serious car accident in August in Croatia, whereby the opponent is responsible for the accident. Car is a total damage – I got the money for it already. We were lucky that the accident opponent was also from Austria, just like me. I switched on a lawyer right after the accident, via the legal protection insurance, regarding the pain gel claim. Now to the injuries: I as Driver had abrasions on her hands and arms, and an overstretching of the cervical spine – 18 days of illness (actually longer, but after the accident we were still stuck in Croatia) Girlfriend as a passenger has abrasions in her face, eye swollen, nose 2 times slight fracture, over 5 weeks of severe back pain, about 4 weeks of illness Now I got a letter from the lawyer, where he received an offer from the insurance company, and I have to tell him whether we accept the offer or not…. Girlfriend 1700,- I 200,– I don’t know now if we should accept the offer or rather not. It seems to me a little too little……….. I also asked my lawyer what he means now, whether we should accept the offer or not. He meant he can’t say anything about it, we have to decide it ourselves. How would we know if we didn’t accept the offer?? or does my lawyer now make a counter offer?? Wouldn’t want the thing to go on for months or even years. Would I be happy if you wrote down your experiences so that I have a clue. Thank you. Lg