My wife was involved in an accicent where she was rear ended onthe freeway while stopped in traffic. She was injured and was taken to the hospital.

The other vehicles insurance has taken care of her medical bills to date. Her case is still open and we just received a letter from the insurer stating "as per our previous discussion on the phone", which never happened, "we are offering a $4,000.00 payment to close the case. My wife may still need more medical help in the future so I do not think she should sign off on the claim yet. Is there a time frame when the case is automatically closed or should make a counter offer that will cover any future possibly medical bills years from now? Should we seek a legal professional to avoid getting hurt financially?