I was riding to work with my co-worker, and some young unexperienced driver hit us from the back. At refused to get paramedics because I wasn't in any pain. But then after couple of hours at work I couldn't sit straight and experienced pain in my lower back. I went to see my doctor the next day. As the result of my xrays I was told that it was nothing serious, but some muscle spazm. I was prescribed some muscle relaxer. I had to stay home for a week, then I went back to the doctor to get the note as excuse of absence from work due to my back pain. After a week I feel much better, however I cannot be in sitting position as long I used to be before the accident. Every 1 or 2 I feel discomfort in my back and have to walk around and stretch. I called the insurance company to start a claim and was told that they will pay my medical bills, lost wages and some compensations for my inconvenience. What percentage of compensation am I entitle to? The insurance agent also faxed me a release form to sign. Do I absolutley have to sign it? What if in 5 years my back pain will come back? What should I do?