Hey everyone, I’m in a bit of a mess. Last week some guy rear-ended me and my car is completely totaled. His insurance admitted fault, but the offer they just sent me is barely enough to cover half of what I actually owe on the loan, let alone buy a replacement. I’ve never dealt with this before. Should I try to negotiate with them myself or is it time to call one of those accident attorneys you see on billboards? I’m stressed out and just need some advice from someone who’s been through this.