Got rear-ended last month. Not my fault at all, police report backs me up. I've been having some neck pain (went to urgent care once, nothing broken but definitely stiff). Their insurance just offered me $1,200 to 'settle quickly.' My car repair is being handled separately, but this is for the medical/pain side of things. It feels really low considering how much my neck still hurts, but I've never dealt with this before. Should I try to negotiate with them myself, or is it time to talk to a personal injury lawyer? Will a lawyer just eat up all the money anyway? TIA.