Insurance company of at fault driver is giving me a low ball offer, should I get a personal injury attorney

You should try to negotiate with the insurance company one more time. Make sure they know about your hospital visit, and know how much your bills were.

The guy being kind of rude has nothing to do with the value of your claim. The question is whether you were injured in the accident and if so, how seriously. Give it a few months, and if you are perfectly okay then there is no need for a lawyer. On the other hand, if you have significant back problems, especially being young, than your case may potentially have significant value and a lawyer is mandatory. You definitely do not want to settle too soon or for too little without knowing whether you were injured or the extent of those injuries. Your post does not have a lot of facts, but if the insurance company representative offered you only $200.00 without making any effort to understand the extent of your injuries, than that representative is not being very ethical and attempting a reasonable compromise will likely be a futile effort.