I was rear-ended a few weeks ago at a red light. Nothing crazy, just some bumper damage and my neck has been a bit stiff since then. The other person's insurance called me yesterday and offered $1,200 to close the claim right now. It sounds like a decent amount for a fender bender, but I'm worried if my neck gets worse later I'll be stuck. Should I just take the money or is it worth talking to an attorney first? I don't want to deal with a huge legal battle if I don't have to, but I don't want to get screwed over either.