Re: How things can change:
No your ins will not go up. This only occurrs if you are at fault. The other ins company is being very nice for a reason, they want to get your case closed as soon as possible. At the very least I'd speak with a lawyer and get some good legal advice. You are young, and will recover fast, but you could have severe back problems later in life as a result of this accident......consider this before you let them off with just current car replacement and medical bills. Good luck and keep us informed.
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