Swimming with whiplash?

Hey folks, I had a car accident yesterday afternoon. Rear-ended while stopped at a traffic light. Car is messed up, but more important, my neck is killing me. I went to the Dr. right away, who also happens to be on my swim team. She said no swimming today, and honestly, I don't feel like doing anything anyway. Any experience with this or how long I should wait? There must be someone on here who's been through this!