I too have been berating TB, with tales of woe and stern warnings.., he's probably suffering from nag fatigue by now, but hey ho.... if WE don;t look after the grumpy boy, who the hell will eh?
couple of things,
1) Physio wait is variable, and in some cases severity dependent, i asked for a referral last week, i'm booked in on thursday this week, so 3 months is horseshyte
2) SOME NHS physios are damn good..... for example the last lot i saw based at the Nuffield hospital in Oxford.... and there ARE choices available to GP for referrals, although it may have an effect on it's cost to the practice in NHS accountancy terms..... do not go and moan about the back being sore, go and demand a referral NOW> even if it IS 3 months wait, best to be able to get in in 3 months rather than 6.
3) ask about private treatment, the costs should be recoupable on the insurance claim. speak to your insurer for advice about how they would like it handled.
4) if all that fails
I'll bloody well go and see your quack and educate him on the question of referring you..... , word of warning, you may have to change surgeries afterwards......
5) DO NOT accept any settlement on the quick without having had physio and a full long term prognosis assessment from a specialist, and avoid the words full and final in any agreement relating to personal injury..... these things have a way of coming back to haunt you.... permanently.....