The past history, is a big issue, and the fact that you are not seeking ongoing treatment.
*If you had/have a primary doctor that treated you the other time, and had his notes and that you were quite recovered... then went to him right after this new accident for treatment ... he could document the increase in symptoms.. then there would be a written record by a professional.. It helps to have a very knowledgeable dr treating you also..*

Those factors make it seem that you are not that badly injured from this recent accident..
I agree with your atty, put the pretty nice settlement money in a saving account for when you do need/find treatment.
And later when you do find some treatment/provider , you might be able to use medical ins..