I don't know what type of accident you had. I had a panel van turn left in front of me and I t-boned the side of the van and bent the fork and frame. What worked for me was demanding a replacement bike at a reputable shop in the same 'genre' as the bike you have. Road bike. Doesn't matter that my bike was 15 years old and really not worth much. If they are accepting liability then they are also delighted to not be paying other damages or medical expenses. I got an $800 Lemond Tourmalet for an $80 Norco.