So your bike and doctor bills are being covered. What about any time lost from work? What about any future pain that may arise due to a potential back injury? I'd see a lawyer and go to a doc the lawyer works with that specializes in these types of cases.

My wife is a public insurance adjuster, she doesn't deal with medical issues, she deals with homeowner policies. The insurance companies want to pay you the smallest amount possible, regardless of whether you are entitled to more.