Car got rear ended by semi-truck. What to do next?

Hi All,

My car was rear-ended in a multi-vehicle collision that was started by a semi-truck. While I did not sustain any critical injuries and was cleared from urgent care, I continue to experience persistent neck and back pain consistent with whiplash. It has now been over one week since the accident, and my symptoms have not improved.

The urgent care provider did not recommend physiotherapy or chiropractic care, but given my ongoing pain and limited improvement, I would like guidance on whether I should seek treatment from a physiotherapist or a chiropractor on my own, without a referral.

I have $10,000 in PIP (Personal Injury Protection) coverage under my accident policy. My fear is that they may reject the claim as its not recommended by the urgent care doctors. I would like to get suggestions. I am in Washington.