Hit by a Car on my Bike; Help with Settlement?

Send a registered letter to the head office and also to the Insurance Commission in your state. call it a "Demand Letter". You want actual damages. You can hint that if you get an attorney he will certainly seek more and they need to stay on the right side of right in not only assisting you, but that they should have wanted to from the on-set to make you as whole as possible. They can not with only what you are asking for ever repay for the suffering. But an attorney might? They know that attorneys don't charge victims they get the damages plus to then take their fee. .....they are getting off easy with their insured's carelessness (you don't have to say all of that, but that's the energy you will want to draw on as you stand up for yoursef)