I'd say you need a lawyer. Don't think for a second that the settlement offer you get from the insurance company is anywhere near what you should get. They are going to lowball every aspect of it, tell you that your injury isn't serious, that your bike isn't worth what you think it is and so on. If it seems fair to you, you can bet that they are making a higher offer so that you don't look for more. They don't want you to get a lawyer. You are due a LOT more than you think. I've had 2 accidents in the last 5 years, both with broken bones (BOTH wrists the first time, the pelvis the second time.) Both times my lawyer got me a lot more than I thought possible. There was nothing about it that was unseemly either. This was NYS law, not a random judgement.

Also, don't think that the person driving is actually going to pay out of their pockets. That's why you buy insurance, so you don't have to. You will only get awarded up to their insured liability limits. You're not going to put the other party in the poorhouse.

The insurance company is NOT on your side. Don't be a sucker.