So I got rear-ended at a red light a few days ago. My car is pretty messed up, and I've got some nagging neck pain, but nothing broken. The other driver's insurance just called and offered me a small settlement to close the claim right now. It feels low, but I’ve never dealt with this before. Should I just take the money or talk to a personal injury attorney first? I don't want to be that person who sues over nothing, but I also don't want to get screwed over if this neck pain gets worse later.