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Car insurance - written-off - offer from insurer to settle?

Unfortunately, was involved in an accident and my vehicle has been
deemed a total loss by the insurance company.

I've only had the car two months and the insurance company have
offered a fair bit less in settlement than I paid for it.

What happens now? Can I insist that the insurance company improve
their offer? Or is it a case of like it or lump it?

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