Worry about the bike last. When my then pregnant wife got hit in our Saab (which barely got damaged but was toatled by the insurance), we got 3,000 for the car (this was circa 2000) but a lot more (>30K) in medical and civil damages. We had a very wise insurance agent who told us not to get upset the car but forced us to get medical assessment right away and go with the program and wait 2 years. My wife did have back problems for a year or so but our son was healthy and so far so good, but things could have turned out worse. My wife did not know about the back problems until 6 months later.