First, it is extremely unlikely that a kick-back was offered. I have heard these allegations repeatedly, but I have never seen any proof of them. Of course, if you have proof, you should turn it over to the Florida Bar. The lawyer's career will be at an end with proof of that kind.
Second, I see no damages. None. You did not accept the offer, so you saved yourself from what you see as a betrayal. All you have to do is discharge your lawyer and get a new one. If the old lawyer charges a fee...
Assuming you were hurt making a delivery (or returning from one), you have a worker's compensation claim against your employer for your injuries. Make the claim and get medical treatment.
You also have a potential claim against the owner and driver of the car that rear-ended you. You should hire a local lawyer to pursue that claim (and perhaps the worker's compensation claim).
Notify your own insurance company and it will pay you, based on your collission coverage. Then it will try to collect from the rental company, and probably recover your deductible and refund it to you.
The other person's auto insurance will probably pay for the damage to his vehicle. Then that insurance company will probably sue you for whatever it has to pay. If it gets a judgment against you, it can have your driver's license suspended since you did not have the mandatory insurance at the time of the crash. The suspension will last until you pay the judgment.
Fortunately, in Florida many of a debtor's assets are protected from being seized to satisfy a judgment. The wages of the head of...
You absolutely need to hire a private lawyer immediately!
I don't understand what you mean by your being asked to "sign a final judgment." Maybe you mean an assignment of your right to a bad faith action against GEICO? But that would not come from GEICO's lawyer that would come from the injured party's lawyer.
The goal of course, is to assign whatever rights you might have against GEICO in return for a release of any personal liability that you might have to the injured person. With the...
The owner and driver of a car are liable for damage negligently caused. Whether you are sued or not is their option. But, if you have no assets, it would seem pointless.
However, if a judgment is obtained against you you are in danger of having your license revoked until it is paid.
The passenger's PIP pays first (80%) because that is how the no-fault law is written. Unpaid medical bills would then be paid by the passenger's medical insurance (which has a claim for what it pays against the at-fault driver/owner) or the driver/owner directly.