Had almost the same thing happen to me 30 years ago. I took a trip to the ER in the back of an ambulance, out cold. Anyway, I had insurance that paid all my bills. When it came time to settle with the insurance company the woman asked me what I wanted to settle. I was so naive about how these things work that I said I insisted they pay for 100% of the repairs to my bike (new wheel, fork). She almost broke out laughing. They're not worried about what your bike costs, they're worried about ending up in court and paying you millions for the rest of your life because your neck/back/whatever hurts and you can't work anymore. I was pretty reluctant to go to the doctor as well, even though my shoulder hurt all the time. Big mistake. The bigger the medical bills the more they're willing to offer to stay out of court. She wrote me a check on the spot for the bike repairs plus three times the medical bills for "pain and suffering". Something like $5k which was a lot to me at the time. She probably got the gold star award of the month at work.

I'm not saying make stuff up, that's fraud, but don't tough it out if you're really hurt either. You've seen the doctor, keep going if it still hurts. Don't sign any settlements until you're sure you are 100%. The bigger the bills are the more they'll offer you to settle.