If you are struck from behind at a stop light, then the other driver would be at fault and responsible for any property damage to your vehicle and for any injuries to your person.  Many people are eager to settle property claims because they need funds to repair there vehicle.  If there is a chance that you have a physical injury, you can settle your property claim separate from your personal injury claim.... just make sure you don't accidentally sign any paperwork that waives your right to a personal injury claim.  If you are not sure about what you are signing or agreeing to consult with an attorney.   If you cannot afford an attorney, see if your own insurance company will help you.  Many will offer claim settlement as a service through your coverage-- for free.