don't settle for anything
i agree if your not physically hurt then just cover your car and you may just get checked up by a dr. alot of stuff in your back may not show up for awhile but atleast get checked out real good. my wife had a wreck awhile back and settled on having her car fixed. now she has issues on her side which means a pinched nerve or something in her back. as i have had 2 ruptured disc since 91 at work i have alot of experiance and ask alot of ?'s when i'm seeing a dr. if you have issues in any of your arms or legs it could be from back issues. don't sign off on any medical unless you've seen a dr. talk to your family dr and tell him what happened, you never know and if you sign off you'll pay out of pocket later. i had a guy rear end my 300Z in 07 and it took over a yr to settle but i was covered. damage wasn't much to the car was roughly 600. but it inflamed my back and i had to wind up getting surgery after dealing with everything for roughly 17 yrs. so numbness, tingling, burning ( and not when you pee ) or other issues are something that you want to get checked out. not saying call an ambulance chaser and work the guy over for some cash but still cover your bases. better to cover them then not and have to deal with it on your own dime.