Whew! Glad you are still in one piece. I am sorry about your bike.
Unsolicited advice: Do NOT agree to any type of settlement until you have spoken to a lawyer. Do NOT sign anything. Don't look up a lawyer in the phone book, but talk to trusted friends who may have some suggestions.
I am not a lawyer, but my husband is and when I told him about the insurance company wanting to quickly settle, he said "she needs to make sure she has someone review the settlement before signing".
Sorry to spend more of my post on the insurance side of what happened.
Heal quickly!
Life is like riding a bicycle. To stay balanced, one must keep moving. - Albert Einstein
In all of living, have much fun and laughter. Life is to be enjoyed, not just endured. -Gordon B. Hinckley