You're an honest person who just wants what's legally due you, and you just want the insurance company to deal square with you. I respect that but sometimes insurance companies don't. I wouldn't say lie about anything or pretend greater injuries, but the fact is that you don't really know your boyfriend hasn't sustained greater injuries that just haven't shown up yet. He has a hard time walking because of the injury to his hip, at his age that may yet require some medical attention. I'd say work with the insurance company, lay all that out and see if they'll settle for medical costs and something on the bike. It may not be what you expect for the bike, I'd advise not hoping to come out ahead on this.