Consider suggesting your homeowner's pay all but the deductible, and the ladies pay the deductible or some such combination.

Likely, no matter what, you are not going to get any more than the depreciated value of your bike.

I've been through this too many times with car wrecks - the not-at-fault party (me) always comes out a loser. It stinks.

Keep track of all your time and effort, and money spent, in searching for a new bike - i.e., mileage, internet time, etc. If you go to small claims court, this can be reimbursed to you.

Have you been to a doc re: injuries?

If not, you may want to start making a medical case.

Likely, you would be best to not spend a huge amount of effort on this, take the settlement and loss, and get on with your life. That is what I end up doing. And, it still stinks.