I injured my chest and saw my doctor, but I could not afford the medication. Both cars were repaired by the insurance company. I just received a call from our insurance agent and she said the other party is offering me $400 to settle. The collision report indicated it was an equal fault. This sounds like the other party is admitting their fault. I told the agent that I needed to discuss this with my husband and she told me regardless of who I spoke to, she was sending the formal offer to me in the mail, and that I needed to sign and return it. My husband and I think we might need legal representation.