I have to agree w/ the 2 posts above mine. You need to try and get more money from this chick. And this is coming from someone who works in a law office and also someone who has experience w/ this same situation (not personally, though)

My friend got hit by a drunk woman on his GTB. Obviously, it was the woman's fault and he claimed that his bike was extremely rare and expensive. The thing is, if your bike is unique or rare in the SLIGHTEST, you can claim more than its worth b/c some of the parts may be impossible to get again or it may have "sentimental value" This kid had a basic GTB w/ veeps or something, but wound up getting a Yamaguchi. This isn't just any yamaguchi either. It has dura ace cranks, phil wood hubs, mavic ellipse, etc etc etc. It's like a $4,000 bike.

Basically, insurance companies are used to shelling out large sums of cash to people because cars are infinitely more expensive than bikes. To an insurance company, $5,000 is NOTHING for a drunk driving accident. Especially if you're not claiming any health bills. You can get enough money to buy any bike you could possibly want.

By the way, this isn't illegal either. Sentimental value is a genuine claim as is rarity.