Chiro and not kidding hypnotic therapy
Your insurance company should require some sort of coverage for injuries, even if it was your fault. Why don't you see an orthopedic surgeon and then try negotiating a settlement with your insurance company (or the other party's if they were at fault) in the even that you need surgery?
get a different physiotherapist, yoga, ti chi, decompression therapy, massages, heat/ice, chiro, inversion table etc etc
tai chi. seriously.
yep. nothing better. builds core strength to compensate for the muscles that are under strain due to the injury. also, you might want to have a look at this book: "8 Steps to a Pain-Free Back: Natural Posture Solutions for Pain in the Back, Neck, Shoulder, Hip, Knee, and Foot" by Esther Gokhale http://amzn.to/YyNWHT
I fractured 3 vertebrae and this is what helped.