When do you decide to settle on an auto-insurance claim?

Several weeks ago I was rear-ended in a non-dispute accident. I refused medical treatment despite being hurt because I do not believe in Western medicines. The accident totaled my car and gave me whiplash. I’ve tried to seek medical help yet none of the doctors I go to will except third party insurance and I do not have the money currently to pay out of pocket ($100 a visit). I missed two volunteer shifts with the US Bartenders Guild and one with the Oregon Bartenders Guild due to the accident. Both of which would have gained me networking opportunities. I do not desire to be greedy however the insurance company (aware that I do not feel good) is only offering me $500 in settlement. I am not settling however I’d like to so I can just take the money and head to the doctor ASAP. My back is swollen and my neck still hurts and I still have numbness in my arms and legs. I am no stranger to back pain. I am aware that I need help yet I cannot get it unless I go against my beliefs and seek Western doctors out in the E.R.