I got rear-ended on my way home from work a couple of days ago. It didn't seem huge at the time, but my back is starting to feel really stiff today. The other driver's insurance just called me offering $1,800 to 'settle everything right now' and pay for the bumper. It sounds tempting because I need the cash, but my brother says I should talk to a lawyer first. Am I overthinking this or are they trying to lowball me before I know if I'm actually hurt?