Your injury could be any of the three you listed or many others. If it's very serious, see a doctor immediately. If it is more routine, take some time off and ice it. It will probably heal on its own, but if not, see a doctor.
The problem with going to the doctor for minor injuries is that there isn't much they can really do. If you go the day after an injury, they are just going to tell you to come back in two weeks unless they can find a broken bone. Surgery is really a last resort because of the expense, healing time, and the fact that sometimes it will not even fix the problem at all (might even make it worse).
If it's not broken, I would suggest you just rest it, stretch it out, rub it, etc. Many injuries of that type will heal themselves to an acceptable level (may never be 100%). Only consider surgery if you really have no other option.