Chronic Back Pain At Age 25

I was in a auto wreak over a year ago and have had back pain every day. I suffer from a lumbar sprain but the doctor said it would get better. But it hasn't also I am in a law suit from it and they have denied fault up until today now they want to settle after they found out the other guy was not telling the truth about the wreak. I went to a chropratic for treatment for 3 mths after the wreak then he release me but the pain never went away. So a year later, laywer said hey if you still hurt go back to the doctor in for a penny in for a pond he said, so I go back to another chropratic for a second opinon he thought I had a bulging disc from new x-rays. So I get mri done, came back not showing a bulging disc but I have disc height loss in my l4-l5 so that doctor tells me to go back to the 1st doctor he looks at mri and said my spine is to straight and something is not right in my l5-s1, and he said he can see where all my pain is coming from and he recommanded a spinal injection to help me. So my lawyer said he wants to settle for 27,000 I want opinon about this I am 25 I have very hard time sitting, standing, picking up heavy objects, and even having sex with me being on top is almost impossiable with the pain I feel and it depresses me alot to be so young with this back problem doctor bill is almost 10,000 laywer gets 33%. Is 27,000 a good settlement for this problem at 25 and knowing its not going to get any better probably worse over the years after all thats paid out I get nickels and dimes for a life long injury that I shouldn't have, that has limited my actives whats a good number that is fair for a wreak that was 100% other guy fault that has gave me a life time of pain?