they basicly do what the insurance company tell them if they are appointed by them

so they will leave you with the bill if you don't accept the offer for not just the other side, but your side as well in some cases

as said, speak to roosie/stu claims about what your options are, you may have signed something to say you'd abide by what they could do for you, in which case you are fucked
but a grand is not a lot in this sort of circumstance, considering i got £8500 for a broken wrist that still plays me up nearly 9 years down the line