I am sorry to hear that you are having this complication in addition to the car accident.
Fortunately, one can always get a second opinion to counter the opinion of a medical provider. A statement from the PT will help establish that there is justifiable concern for a second opinion. Many DCs will offer a second opinion for free; others will charge a fee, but the insurance company will typically reimburse for any medical costs, plus pain and suffering.
You mention that your insurance company is directing you on your actions, but please keep in mind that an insurance company is trying to reduce costs, which is why many victims of auto accidents will hire a private attorney.A private attorney can help get a proper diagnosis, and can also help and ensure the victim is properly compensated. Compensation typically includes
time off work (lost wages)
pain and suffering - this varies greatly- for example, severity of injury, whether it impacts one's quality of life, etc.
punitive damages-designed to punish the defendant from engaging in similar conduct.
The attorney will conduct discovery and will hire expert witnesses to testify on behalf of the plaintiff. Most personal injury attorneys will work on contingency and will arrange for medical treatment at no current cost (meaning it will be taken out of a future settlement/judgment).
The attorney can also help set up an independent medical evaluation-a doctor that specializes in determining the extent of injuries, which can be helpful in getting proper treatment, and can help with ensuring the plaintiff has adequate funds to help manage the pain through necessary treatments, etc.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.