So I got rear-ended last week and the other person's insurance is already offering a settlement that barely covers the body shop estimate, let alone the neck pain I've been dealing with. Everyone tells me to 'lawyer up,' but I'm worried their 30-40% cut will just eat up any extra money I might get. Has anyone actually come out ahead by hiring an attorney for a smaller claim like this, or am I better off just trying to negotiate with the adjuster on my own?