car accident no win no fee -advice needed

ADVICE WANTED PLEASE
i am insured with 1st central-fully comp. last week a lady crashed into me and she immediately admitted liability. my car was taken for repair and i was given a coutesy car so all went smoothly. I was initially feeling fine after the accident but the last few days have been greatly suffering with neck and back pain. i saw my gp this morning for strong pain relief and she feels that i have whiplash. I have never claimed money for anything before and didnt intend to however i work as a nurse so i am aware how this injury may affect me. i have phoned my insurance company and they tell me i didnt pay the additional extra for legal cover so i am not covered to claim:( they directed me to their approved company-First Central Law. upon speaking to them i am told i can claim through them on a no win no fee basis and they take 25%.
is this normal? any advice on what i should do?
PLEASE dont think im out to make money-i have read previous threads so im well aware that this does happen.
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