Don't take their offer. I've been rear ended and ended up with my car being totaled by a teenager who had already gotten into three accidents. I was basically called constantly by the at-fault driver's insurance asking me to take "free money". I contacted my insurance company (USAA) and they explained the other insurance company was trying to get out of paying a bigger dollar amount because my insurance company went after the driver to pay for everything. If I had accepted, I would be on the hook for all the medical, repair, etc.