So I got into a car accident last week (the other guy was at fault, rear-ended me at a light) and his insurance company is already calling me with a settlement offer. It sounds okay on the surface since it covers my immediate medical bills, but I'm still feeling a lot of stiffness in my neck and I'm worried about long-term issues. Should I just take the money now, or does this seem like a trap? I've never dealt with this before and I'm honestly a bit overwhelmed.