I feel bad for the OP! I can't believe that the insurance company is folding so easily, but it just goes to show that they pamper the people who say "they had shock", etc. If you're honest and say you're fine they don't care.
I had a head on (in my car) in a country lane. I had come to a stop and the guy was going so fast he couldnt stop in time and smashed me backwards. His crappy Renault Espace people carrier was written off but my 2007 Golf just had a dented bumper and I could drive home on it without issue after having the RAC out to check the engine over.
The police came and went within a few minutes as "no-one was injured" and the guy admitted fault. Next day my neck was killing but I didnt bother putting in an "injured" insurance claim as other than that I was fine. When it came to the insurance claim part of things the guy changed his story and said I was going too fast - despite me giving photos showing the my Golf had its breaks applied and my skidmarks were going BACKWARDS because my numberplate, etc were under his car! If I was going fast and he was stopped the law of physics state the he doesnt bounce forward and push me backwards!
Ended up with him claiming for "whiplash" and the claim eventually went 50/50 despite me telling the insurance company I wanted to go to court as I had all the photos, the police had turned up and he had admitted blame at the scene.
I was so angry that I wanted to drive to his house but my family persuaded me not to do something stupid and I just had to get over it. I lost all faith in the insurance industry after that and have bought a mini-camera to mount to my car and one for the bike too!
Haven't got round to fitting it yet, but have a look on ebay for "gum cameras". They are tiny, cost about £10 from china and the video quality is actually pretty decent and records in 640x480 with good sound too! Easily small enough to fit into my bike fairing and so cheap that if it gets wet or breaks I can get another one. Just need to find a way to fit it now but then again I bet the insurance companies just wouldn't care even if I gave them video evidence
If I ever get knocked off my bike I'm definitely going to claim personal injury and have no moral problem with ripping off any insurance company!
Here's an example of the video (its not mine though!). Not bad for £10 -
http://www.youtube.com/watch?v=DGXN4fhsMMU