Is Surgery Needed To Stop The Incontinence After A Car Accident?

Hello Dr. Siegel, I was in a car accident last year on July 1st(rear-ended by a van) and I suffered a whiplash. I was sent for Physiotherapy and after 6 weeks of Physio., I developed excruciating pain and was Xrayed and found to have a fracture in the L3 disc. Two days later, I developed urine leaks and was taken to hospital for surgery. The Emergency physician decided against surgery, after a CT scan, as he said that there is only a chip in the disc and it is appearing to heal. My incontinence has not stopped yet. I have had kidney/bladder ultrasound and everything is clear. I ve also had an MRI 12 weeks after my injury and it showed bulge in the L3, 4,5 disc. My urine leak is very mild, oozing out without my knowledge, but it has not stopped. My physician thinks that I might need surgery of the spine to correct this. Is surgery needed to stop the Incontinence? I ve never had Incontinence before. I m a 46 year old woman and have not had children either. At one point, the ER physician thought this was a gynaecological issue, but he didn t know that I ve never given birth.