If insurance adjusters made reasonable offers to people injured in car accidents, fewer of them might hire lawyers.
This is especially true when someone suffers so-called soft tissue injuries, like neck and back sprain and strain, with its cluster of symptoms like headache, sleeplessness, etc.
It's even more true if the at-fault driver struck your car at low speeds.
Extra points if you didn't go to the doctor for two days or a week, or if the only doctor you've seen is a chiropractor. Even more points if the chiropractor treated you for more than 6 weeks.