Please take my advice and go see the doctor. You will get reimbursed by his insurance, but I can tell you it is worth the out of pocket at the moment. I am looking at surgery to relieve a regular occurence of pain from a herniated neck disk. I felt fine for months, but I have no doubt it was the accident I was in. And with the elapsed time it was too late to get any settlement.
I had a good friend who was an adjuster who told me not to settle prior to one year after accident because medical problems my come up that you did not suspect and it will not be covered B/C you settled early.