What Does Severe Pain In The Feet, Hands And Neck Indicate?

Hello, My daughter is a 34 year old who has extreme pain in her feet (can t wear shoes), hands, neck, and has experienced some numbness in both hands halfway up to her elbows. She has had X-rays of her neck that were negative (she was in an auto accident when she was 16), has had blood work that was negative, has had nerve conduction tests, and has seen a spine therapist who is recommending physical therapy. Her insurance won t pay for an MRI. I don t feel like she is on the way to an answer. What are your ideas?