Eddie...I think that your wife has made the correct decision.
Whiplash is becoming a sort of " joke" diagnosis now, as there is no diagnostic test. IQ am not saying that it doesn" t exist, but that the courts do not give it the credence that or once had.
The other " fly on the ointment" is that of her pre existing arthritis which the defence would argue that it would give her trouble, even without the intervention of the accident.
I feel that the settlement seems fair on the basis of what you have told us