So I was in a fender bender a few days ago. Not my fault, the other person admitted it. Their insurance is already calling me trying to settle for a few grand. My back is a little stiff but I don't want to be 'that person' who sues everyone. At the same time, I don't want to get screwed over if this pain turns into something worse later on. Does a lawyer actually help with these smaller claims or do they just take a huge cut of the money for doing nothing? Looking for real advice from anyone who's been through this.