"It would benefit me greatly if I could gain opinion as to whether my injuries are accident related as no-one seems to want to say so. "
The reason no one is telling you that your injuries are accident related is very simple.
Your MRI shows degenerative changes in your spine that can not be caused by any kind of accident. Those kinds of changes occur as we age, some earlier than others.
Annular tears in a disc occur from an injury, from degeneration of the disc, and where you have degenerative facets, there is no real way to determine that the accident caused your disc bulges or any other problem.
The most that could be said is that the accident added to an already pre-existing condition that you already had. The fact that the degeneration already existed before the accident prevents being able to make any determination as to how the accident plays into your present pain and MRI results.
Actually, you could have been fine after the accident and then got out of bed "the wrong way" and created the pain, fallen down, tripped over something when walking or any other number of things to have set off the pain that you are having.
There really isn't any way to say with certainty that the accident caused your existing problems.
What can be said is that the accident had nothing to do with the degenerative changes that your MRI shows.
As for refusing any type of surgery, I can understand that, been there, done that myself.
In the end, I did opt for surgery as I couldn't deal with the pain or a life filled with narcotics to try and relieve the pain.
Please also remember that narcotic pain meds have many, many side affects that aren't pleasant and at some point you will start to build a tolerance to them and need to continue to increase your dosages.
Also please remember that continued nerve compression that you are suffering with can and will eventually lead to permanent nerve damage, that could include the nerves to your bowel and bladder where you can lose all or part of the control of your bowel and bladder.
You can also suffer permanent foot drop as well.
Good luck
Fran