I was in a car accident about three weeks ago (not my fault, I was rear-ended at a light). The other driver's insurance just called with an offer, but it barely covers my deductible and one ER visit, let alone the ongoing physical therapy I need for my back. I've never dealt with this before. Does hiring a personal injury attorney actually result in more money in my pocket after they take their cut, or should I just try to negotiate with the adjuster myself?