I got rear-ended last Tuesday on my way home from work. It wasn't a huge crash, but my rear bumper is pretty messed up and my neck has been super stiff since. The other driver's insurance adjuster called me today and sounded really nice—they offered to cover the repair shop costs and pay for my urgent care visit. My uncle is calling me crazy for not hiring a personal injury lawyer immediately, but honestly, I hate the idea of legal drama. Am I putting myself at risk by just settling this directly with them, or is a lawyer actually necessary here?