You have (in most states) 2 years from the date of the accident to file a lawsuit.  You issue appears to relate to your compensation to pain/suffering and med bills.  The sooner you treat the better as an insurance company is going to think that you are not that injurd and are just trying to make money if too much time elapses b/t the time of the accident and the treatment.  Therefore, go to the hospital and get treatment.  The go see a lawyer who will assist you to put your claim together and make sure that you treat and follow up and get compensated for the medical bills.  Its not too late.  Just go to your primary care physicial and see what he/she recommends and follow the advice, in addiiton to obtaining a lawyer.