Symptoms (in general from herniated discs in the cervical region and lumbar region) suggesting the need for urgent surgery includes muscle weakness, loss of bowel or bladder control, loss of sensation, particularly in the pelvis
and severe
and progressive
pain. This will need to be decided upon by your PCP
and/or neurologist.
Lastly, where is your pain? Is it associated with the bulging disc or is it caused by the actual car wreck?