Re: Back pain...
Welcome to the boards, and sorry to hear about your continued pain problems.
It's unfortunately not uncommon that once you have upper or lower back pain issues to experience the other not too much later. Our bodies are held together by an incredibly complex and interconnected system of muscles, bones, joints and ligaments. Once one area has problems, it can affect other areas as well.
If you go back to the chiropractor, you may have problems getting the auto insurance to cover your care as they will likely say your lower back issues aren't related to your car accident, even though they in most likelihood are related. It would be worth a return visit to your chiropractor anyways to see how it goes, and he/she may be able to help you get the costs covered by the auto insurance.
Do you have any pain that travels down one or both legs, or into your groin? If so, you need to have an MRI and see your primary care doctor, then get a referral to a spine surgeon for an evaluation.
Not everyone who has back problems needs to have medications or needs to have a major adjustment in their lifestyles. However, it does happen to some of us and we go through a period of a major attitude adjustment.
I really hope your lower back pain is just muscle related and that you can get back to the lifestyle you are accustomed to quickly. We're here to listen to you vent, and believe me we have all had times where we have vented as back pain can be very frustrating to deal with.
Best wishes as you go forward, and we're here for you!