I have a low impact car accident that rear ended me and injured my back & neck. I continue to be in alot of pain 2 years later.

Low impact, "sof tissue" injury auto accidents result in low settleemtns as a general rule. It is also hard to find lawyers to take such cases as the fee (1/3 of the recovery) is often not seen as being worth the amount of work put into the case.   All of that said, you may be able to get the insurer to negotiate up a little bit, but you will need a lawyer to have a possibility of getting a much better result. It might require actually filing a lawsuit and working through that - which is a lot of work for both the lawyer and the client.  It will help if you have gotten treatment for your injuries and have documentation. Also, factored in is whether you have had prior injuries to the same parts of your body you complain are injured now. From your description, this is a tough case to get any substantial recovery. See if you can find a lawyer to take it on.