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DO NOT CLOSE THIS CASE YET!! Speak to a lawyer ASAP!!! And do NOT buy a new bike yet UNTIL you've spoken to your lawyer. I don't know if you read a couple of my threads regarding my accident back in 05, but A--State Ins played big time HARDBALL and refused to settle until the weekend before our scheduled trial. My wife and I ended up getting max policy amounts, but only ended up with 40% after legal fees, atty fees, court fees, etc..
Document everything, keep all receipts, make sure you got your police report (that'll be your best friend), and make sure your side of the story is consistent at ALL TIMES.
Back to the bike. Cellphone girl's insurance company will launch an investigative period called a "discovery period." Basically, they're gonna hire some Private Investigators who will VIDEOTAPE AND PHOTOGRAPH everything you do. Watch your back. If you buy a new bike, but claim that you can't ride b/c of a pinched nerve in your back-yet the videotape shows you doing some high speed jaunts, etc....that may make your case a little difficult. Also, be careful what you say on message boards and what you post on a Myspace, Facebook account. They will frequent those as well just for more evidence to use against you. All in all, keep this case between you and an attorney.
Get a motorcycle specific attorney. They'll know every single trick in the book that most defense attorneys/insurance companies will try to pull. Remember, these companies are looking for a way to save money by not paying you a penny. And depending on how much compensation you want, the rival insurance company will drag this out as long as it takes. Mine took 3 1/2 years!!