Got into a wreck about ten days ago—wasn't my fault, the other guy blew a stop sign. His insurance company called me today offering $3,200 to close out the medical portion of the claim. My back has been killing me and I've already had to take some unpaid time off. Should I just take the money now or is it better to talk to an attorney? I don't want to lose a huge chunk of the money to legal fees if they're just going to tell me the same thing.