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slight neck and back pain

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At the end of January 2001 I was in a work related car accident when a lady ran a red light and hit my work vehicle and totaled it. I was taken to the emergency room with neck and back pain along with a bump on the head. I was sent to the doctor and then to PT and released several weeks later. I have occasional back pain still and the insurance adjuster wants to settle for $1250. Is this OK? I'm afraid that in the future I may have neck or back pain and this amount won't be enough to cover any medical expenses. Should I ask for more or get a lawyer?? Desparetly seeking answers!!

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