yeah, like BCIPAM said.. I would listen to the offer and tell them you are going to talk it over w/ someone and will get back to them. Ice em' that's what I say...
Sorry about the whiplash. man that stinks! I got it once from an accident and it was horrible. The funny thing is I worked in the Ins industry at the time, so I always thought it was a scam to "get one over on the man"... Until it happened to ME!!
Now I know, and I'll NEVER doubt anyone again!