How much will car insurance pay for my accident?

I live in Logan, Utah and I was stopped at a red light when a car rear ended me going about 35 to 40 mph. I got whiplash and my neck, back and shoulder's have been hurting since. I also have headache's. The insurance company that will be paying for my injuries is allstate and they said they won't pay for excessive bills. How can I tell which bills they will count as reasonable and which bills aren't. I don't want to end up paying for anything, but I need to go see someone. Will they pay for chiropractors? massages? going to the doctor? I just don't know. I am also wondering how much money they will pay me once I settle. I'm not able to go to work because I'm a hairstylist and I can't hold my arm's up very long. I already tried to go to work, but I just couldn't do it so i came home early. Please Help! This is my first accident and I don't know what to do

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