I was in a car accident a few weeks ago—totally not my fault, the other guy rear-ended me at a red light. I've been dealing with some pretty bad whiplash and have had to miss a few days of work for physical therapy. The other driver's insurance company reached out today with a 'final' settlement offer, but honestly, it’s a joke. It barely covers half of my hospital visits so far and doesn't account for the work I missed. They're acting like I need to sign it right now to get the check. Has anyone dealt with this before? Should I try to negotiate myself or is it time to actually call a lawyer?