DO NOT attempt to settle this claim with an insurance company on your own. First, you have two years from the accident date to file a lawsuit if one is needed, there is no hurry to settle your claim, despite ANYTHING the insurance company says to the contrary. Second, you MUST not settle your case until you are sure you will not need any more medical care, and since your back is still hurting, it is likely you are still in need of some treatment (possibly even a LOT of additional treatment). Hire a lawyer and let him/her negotiate your claim for you. Even after you pay the attorney his/her reasonable fee, you will almost certainly get a better result than if you try to do this yourself. You have no idea what your claim is worth, and the insurance company (unlike your lawyer, who mustby lawbe your advocate and do right by you) will try to convince you that the ridiculously low figure they want to pay you is all you can ever hope to receive.
Answered on Sep 27th, 2013 at 1:34 PM