i live in texas & myself & 3 daughters were in a 4 car accident. i stopped in line of traffic. the car behind me stopped, the car behind that car didn't. it hit the car behind me, causing it to rear-end my car & push it into the car in front of me. the insurance co. of the driver that made the initial contact took resposibility for the accident. my car is being repaired by that ins. co.. i have been having neck and back pains but i can't afford to see a doctor. the ins. co. has been talking to me about my injuries. ins co. offered a settlement that i felt i had to take in order to see dr. i agreed over the phone with him, but i haven't signed a release yet or received any monies. i think its going to cost more than the settlement amt. for dr. bills. what are my options since i accepted settlement over the phone?