So I got into a minor accident a few days ago. Nobody was hurt, just some bumper damage, but the other person's insurance company has been blowing up my phone ever since. They're asking for a recorded statement and trying to get me to sign some paperwork for a quick settlement. My friends are telling me to call a lawyer just in case, but that feels like overkill for a small crash. Has anyone dealt with this before? Should I just talk to them or is it better to get an attorney?