I started seeing a chiropractor and it has helped a little but this sounds like a much better and more afforable way to go about this. Thanks for the reply!
I'm no doctor, but it sounds like you pulled a muscle, and now have a little scar tissue in the muscle fibers. It can also be pain from ligament or even disc damage, but these injuries are less likely.
Many people push to far into pain during exercise -- no pain, no gain, right?
Wrong. It's a dumb concept. Pain is a warning sign that we're hurting ourselves.
The MRI seems superfluous at this point. A simple xray may be more appropriate (and easier on your purse).
Lower back injuries can affect the cervical spine, too. Why?
Because the spine must balance the heavy weight of the head (like a bowling ball) over the pelvis. An offset in the lower spine causes the upper spine to compensate.
I would suggest you ask your PCP to order a course of physical therapy, with a knowledgeable cervical and lumbar PT, who can help you reduce inflammation and learn to properly stretch your neck and lower back before and after exercise, and at other times of the day. Good stretching will help bring those muscle back to normal.
If this doesn't help, try the MRI. But always, with back problems, be wary of surgeons. They have but one means of treatment -- surgery. There are many options between here and there. The human body does not "fix" like some machine. It actually attempts to fix itself given the proper treatment.
Best wishes.