Going after her insurance is also a gamble. They'll probably give you crap that you went ahead with repairs without giving them having a chance to have an adjuster do an estimate. They may even pull the bullcrap where they'll only pay up to the amount of the fair market value of the bike in it's condition just prior to the accident. So say that their market research shows your bike worth $200 and the bill comes to $300, they'll screw you over $100 measely dollars. They do not care about the value of the bike to you. Only how much they can get with not paying. It doesn't matter if it's a $1000 or $10. Insurance is the biggest racket there is. Since you've already come to an agreement with party at fault, your best bet is to go see the doctor about the chronic pain in your neck.